Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Laurie Harris

Poor service! Racket!

My dog was denied coverage for a new diagnosis that a vet specialist said was new for my dog and could not be proven to be connected to a previous vet notation about his eyes. The specialist said that the diagnosis was because of my dog's age. Embrace denied coverage because the adjuster said that it COULD be connected to the previous vet's notation, nothing definitely connected. Every problem with a dog COULD be connected, as it is one dog's body. Embrace has never had to pay anything yet on my dog; and when I needed coverage on a new diagnosis, it was denied. I now believe pet insurance to be a racket, as I have paid 18 months of coverage for nothing; plus, they increased the premium because he turned another year older. Poor service! No wonder vets don't appear to support these insurances! None of the vets I've dealt with have ever said anything positive about having pet insurance. All it's done for me and my vet is caused there to be circumstances where it appears that I'm questioning my vet's knowledge. Buyer beware!
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5

out of 5

POSTED: | BY: Luke Abney

Excellent Experiences

This is the third time that I have had to contact or file a claim with Embrace. I have had other insurances before, but my experience so far with this company has been impeccable. The customer service representatives are friendly, knowledgeable, and personable. Every request or question that I have had has been resolved promptly. I am extremely happy with Embrace and will recommend it to other pet owners I know.
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5

out of 5

POSTED: | BY: Christina Kroll

Easy claim experience

The claims process was seamless and easy.
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5

out of 5

POSTED: | BY: Holly Phelps

Awesome company

Very quick to respond when claims are submitted. Have been very easy to work with.
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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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