Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
5

out of 5

POSTED: | BY: Donna M Hinman

The plan has worked as advertised

The plan has worked as advertised. Deductible was partially met over a few minor episodes. An infected cyst, probably dermoid cyst, required excision and antibiotics. Claim was submitted and processed expeditiously. Rest of deductible and copay deducted and a check issued. Process was very easy to submit and essentially hassle free. We will be signing up our new puppy.
5

out of 5

POSTED: | BY: Harvey Miller

Quick service

You are always very prompt with the claims I send in. I never have a problem with any claim. Great teamwork! I can track the progress but I don’t usually as you are so efficient.
1

out of 5

POSTED: | BY: Kneiss Johnson

0 F$&@kn STARS!!

0 F$&@kn STARS!!! They don’t cover anything in reference to French Bulldogs had the insurance since my puppies were 6 weeks the oldest is now 11months and Embrace has not reimbursed me for not 1 vet bill I have submitted. Had I saved the $159 I paid them for 11mo I would have more $ in my pocket than the actual vet bills cost in total. They say they cover everything to get u to purchase until u have to submit a claim and they do everything in their power to deny you. How does a 4 month old puppy have a chronic condition!!? Most vets don’t even diagnose allergies until 1yrs old. But b/c the ER vet wrote in the soap notes my Frenchie will need to be re-evaluated at 1 yr for a nasal condition that is known for short nose breeds they refused to pay?!?. What am I paying insurance for if the insurance refuses to pay anything. All these good reviews must be about the customer service to get your $$ b/c after that you on your own!! Save your $$ yourself for vet emergencies b/c Embrace is a SCAM!!!
5

out of 5

POSTED: | BY: Catherine Ulanday

Embrace is Highly recommended pet insurance to pet owners out there

I don’t have any problems encountered during the time my policy is active. No complaints. And I am very happy with the services and with Embrace. The only reason why I canceled my pet insurance is it was included on my new personal insurance. Overall Embrace is highly recommended.
5

out of 5

POSTED: | BY: The Hall Family

No Hassle Experience

Unfortunately, we had to discover Embrace’s stellar service through our Silky Terrier being mauled by a pit bull. Embrace made a traumatic situation much less taxing through their swift and efficient response to settling our claims. We were very impressed with their professionalism and empathy shown throughout the process. I strongly recommend them for all pet insurance needs.

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 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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