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: Miller S

No for older dogs

Hello All, I hope this is useful. I feel like this is for young pets that you get started with early and start paying the premiums. Our 10 year border collie is in great health, per our veterinarian, blood of a 2 year old dog. However, we recently has some benign skin tags removed and teeth cleaned. In 2020 he had a benign skin tag removed and was noted in his charts. Also noted was dirty teeth. We sent in a claim to embrace and was denied for removal of two more tumors and the teeth cleaning. Reasons for this denial was due to the reference in his charts for pre existing conditions. We escalated and applied for a second look and were still denied. If you have a young animal, this might be worth it, however, if you animal is older I would stay away from Embrace.
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5

out of 5

POSTED: | BY: Gil Youngblood

So far so good new customer so really…

So far so good new customer so really only have had a wellness an orthopedic vet visit. Did this as part of contract for embrace an my breeder plus needed to get DejaVu meet an in system with my veterinarian. Thumbs up so far we will be adding another dog soon as pups are due in a few months. Like that I get a 10% discount for adding another pet plus I got a military discount. So that tells me they care
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1

out of 5

POSTED: | BY: Stacey M

Do not recommend wasting money

Do not recommend wasting money . Although customer service people were nice, they denied my claim on my kitty who needed a tumor removed . Why??! There were no preexisting conditions. They tout paying for cancer and it's treatments, but when it came time to pay they denied it, saying her unrelated pancreatitis that she had had the previous year was the reason they couldn't pay. She had elevated white cell count, from having had pancreatitis. So they denied any coverage at all. Again, I did like their customer service people when I called but it's useless in my opinion .. maybe only in the case of an emergency for your pet. The only reason I gave any stars is for good customer service. On top of all this they took forever to review my claim. What a waste again. Should have just paid on credit card like I had to do in the first place and saved the monthly premiums for this company. They did absolutely NOTHING to help me . 😠
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1

out of 5

POSTED: | BY: Christopher

The only thing timely about this…

The only thing timely about this company has them pulling your premiums.
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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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