Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Maureen Lesniak

Embrace exceeded my expectations

Thank you Embrace, you made my first time claim easy to file. Customer Service, prompt updates to keep me advised, explanation of what would be covered was easily understood. Payments sent with no issue at all. Thank you, I would recommend Embrace to all my friends with pets.
5

out of 5

POSTED: | BY: Sally Fox

Great for Dog Owners!

We got this insurance when our dog turned a year old and it ended up covering a large ER bill shortly after. The process for submitting a claim is super easy (you can do it from your phone!) and the turnaround time is less than a week. If you have a dog that frequently gets into trouble, this is a must have.
5

out of 5

POSTED: | BY: Cammie H

Couldn't be happier

Embrace has been absolutely wonderful. We have 4 pets (2 cats/2 dogs). Embrace has covered everything from pets UTI's to surgeries. Claims submission is easy and processed quickly. We highly recommend them!!!
1

out of 5

POSTED: | BY: Joe B

Denies All Claims For All the Excuses

Everything looks good on paper and all the pretty ads and probably fake reviews and support that they get. I bought the most expensive insurance plan they had. Embrace Pet Insurance has denied 6 out of 7 of my claims to date. They claim "pre-existing" conditions for everything and find ways to link things together to make them all related. Obviously a pets body parts are all connected. Even after my Vet wrote to them a full statement saying that my pet did not have this pre-existing condition, they still denied my claims. This is the usual fraudulent insurance practice to deny as many claims as possible and keep collecting premiums. I recommend you take your business elsewhere unless you want to try to fight claims all the time. Their Director of Underwriting and Claims carries a bachelors in biology and was a claim adjuster for a year before taking on the role per her LinkedIn. Thats your professional claims leader. I can no longer claim my dogs issues now that he really has a pre-existing condition. Good luck if you want to try them and take this risk.
5

out of 5

POSTED: | BY: SE Spruell

Excellent First Impression

Excellent customer service when signing up for pet coverage. Catrin, the representative, was very courteous, knowledgeable, and clearly loves her job! If this first impression is any indication of what I can expect from this company, my kitty and I are in great hands!
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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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