Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Patti C

So much for caring about your dog

So much for caring about your dog. When my 10 year old Newfoundlands policy renewed the new rate increased from $208 a month to $554 a month. Right when your dog really needs the insurance benefits they price the policy out of range. I would never recommend Embrace Pet Insurance to anyone.
5

out of 5

POSTED: | BY: Gary

Seamless process

Seamless process. The services Embrace offers are next to none. I feel comfortable that no matter what happens my service animals will be well taken care of. The timelines of claims is what I was most impressed with. The communication during the claims process always keeps you in the loop to know where you are in the process. I would advise anyone to get their wellness plan.
5

out of 5

POSTED: | BY: Victoria BECK

I received excellent customer service…

I received excellent customer service each time that I've called. The turn around for reimbursements was within the 2-3 day turn around the company states it takes. I highly recommend Embrace Pet Insurance Agency.
1

out of 5

POSTED: | BY: Michael McCoy

Repeatedly requests same information…

Repeatedly requests same information already provided. Seems more interested in delaying or denying than actually paying claims, if they actually ever do.
1

out of 5

POSTED: | BY: Deb Stephenson Deb

Please save your money and time and frustration

Please save your money and time. This is the worst company to try to work with. I had a cattle dog with a belly ache. Took him to the vet naturally, and submitted a claim. Embrace said this was a pre-existing condition when in fact, with proof this is the first time. Honestly, they just want your money. They took three months to deny the claim and in the meantime they collected 3 months of premiums When I went to cancel they said they would at the end of the billing cycle. I said NO, now and naturally they had to refund the remaining of the month which they didn't want to do. If you like to get scammed and pay for insurance they will just deny you go ahead. We are USAA members and were suppose to get good service because of that. UGH, stay away.

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.

Get a quote today

Leave a review