Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Jackie

Complete waste of money!!

Very disappointed. I have two very healthy fur kids -Thanks God! Never had any issues, but when the time comes to take them to the vet for a simple annual check-up and then file a claim, right there your problems with this insurance will start. They do not only will take lots of time to process the claim, but they will find any way to DENY IT! They are useless to say something! Only thing they are good for is to take your money. You certainly cannot count on this insurance company to get any reimbursement.! They made me regret to ever wanted to have insurance for my cats.
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5

out of 5

POSTED: | BY: Steve Aliperta

Easy to use

Easy to use, great mobile UI
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5

out of 5

POSTED: | BY: Alan

Scared little girl

Sasha had to be boarded because we were going out of state, staying in a motel suite. VHA reported she was having bloody diarrhea. She had this the last time she was boarded. They gave her an antibiotic and an antidiarrheal medicine. VHA sent reports to us twice a day, plus pictures and videos. We could tell when Sasha was getting better because her tail was up. We do not take Sasha anywhere else. Embrace pet insurance promptly reimburses us for covered expenses. VHA put Sasha in ICU because it is quieter (most of the time) and calming to her. VHA ICU is staffed 24 hours a day. Boarding is only staffed 7 am to 6 pm. Embrace also reimburses us for her (special diet) food and medicines. We get our money's worth, (unfortunately) with Embrace. All of our pets i.e. family have had Embrace.
1

out of 5

POSTED: | BY: Tara Brown

Still waiting on a decision

Still waiting on a decision. Plus it’s all of this red tape, things that was not told in regards to my policy. No I would not recommend this company to anyone.
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1

out of 5

POSTED: | BY: Dawn Crotty

Pay close attention to your claims with…

Pay close attention to your claims with multiple diagnoses. Though my dog was diagnosed with Kidney disease, which they do not cover (pre-existing) they constantly deny claims for Otitis Externa, ear infection, as well as the antibiotic, Claro used to treat it. Their explanation is that she was diagnosed with Pruritis at one point, which is itchy skin (due to allergies), and treated with Cytopoint, again not covered. I requested that all of these claims be reviewed. I will update my review when I get a response.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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