Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Danielle Dorn

Worse experience I have ever had

I have a healthy dog who is 8 years old. She recently went to the hospital for bloody stool, diarrhea, and excessive dry heaving. Similar symptoms to a blockage in her intestines.. it was very scary as she is normally a very healthy happy pup. Thank goodness- there were no serious issues. She had a bunch of tests ran and the vet bill was approximately $1000.00. The claim was denied because my dog had gone to the vet for throwing up and having diarrhea in the past (not to mention she wasn't throwing up- she was excessively dry heaving this time). EMBRACE claims that having diarrhea is a preexisting condition-- I disagree- it is a symptom of being ill which is why you take your dog to the vet. She was given an actual diagnosis of Acute Gastroenteristis. She was given a clean bill of health from all blood tests and x-rays. Yet- they will not reimburse. I am dropping the insurance and completely disappointed in the experience. It feels very fraudulent. I warn anyone who thinks dog insurance is a good idea- it is not. They take your money and give you nothing.
5

out of 5

POSTED: | BY: Lisa Perna

Excellent fast insurance

Our 5yr old black lab mix has had 2 TPLO surgerys for a torn CCL.Every claim has been expedited and easy! Embrace is a wonderful company to work with
5

out of 5

POSTED: | BY: Denise M

Best insurance out there. So fast to responding.

This pet insurance is wonderful. They keep you updated, and is fast.I have friends that have switched to Embrace and love it more than their other pet insurance they had.
1

out of 5

POSTED: | BY: Zachary Napier

Frustrating

Don’t waste your time with this company. They are extremely frustrating to deal with when processing a claim. Reached out to my vet 3 times to send additional information and they still will not process my claim. Spoke with customer service, he was extremely nice, and seemed helpful at the time. A week later they still will not process the claim. I should have known pet insurance is just a big scam.
5

out of 5

POSTED: | BY: MARIETTA MANCINI

Best Pet Insurance Ever

I always recommend Embrace insurance to pet owners. My friend was here the day I was submitting some claim documents, a week later I told her the claim was paid and she was shocked. I have never had a problem getting my claims paid. For the first 2 1/2 years of his life my Great Dane Cupcake was healthy and I had no reason to use the insurance. For these past five years he has been sick long term and Embrace has paid all his bills. Thank God, I could have never afforded those bills on my own. Thank You Embrace
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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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