Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Irma Nance

Excellent service

I refer your company to everyone I know who have animals. I’m completely satisfied with your service. You have been with me through many emergencies. I thank God for you every time I look at my fur babies.
1

out of 5

POSTED: | BY: Amy Cullen

Never use this company!

This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!
5

out of 5

POSTED: | BY: AMY Cullen

Never use this company!

This company is horrible! They claim to "We care more so you can worry less".... that is complete crap! I had submitted claims for both of my dogs and I have never had to fight more to get a resolution! After fighting for months my one puppy's claim was "partially covered" because she had pre-existing conditions! The pre-exsisting condition was she was a puppy and vomited due to eating too quickly! So when I submitted a claim because my puppy accidentally got hold of a bag of chlorine and had ingested some and naturally she vomited! Now this company claims they won't cover the claim fully due to she has vomited once before! Then if that wasn't enough my second dog who was about 8 years old unfortunately had to be put down due to a spleenic mass that had her internally bleeding and according to my vet only a 10% chance of surviving an operation to remove it, if she even made it into surgery! So I submitted the claim for my loved dog being put to sleep and now this company is denying the claim all together because my dog about a year prior was noted by the vet to have a skin tag (mass) smaller then the size of a dime on her leg! This company had talked to my vet about the skin tag (mass) in relation to the spleenic mass tumor and my vet said the two conditions are "completely unrelated!" But nope this company who "cares more so we worry less" still denied the claim and has dragged out the processes of closing these claims therfore delaying my families grieving process because every week for months we have been on the phone arguing with the company! Please please do not waste your money and time dealing with this company! They will only aggravate you more and come up with every excuse to not pay back any of your claims! You will be paying for a service you will not get!
5

out of 5

POSTED: | BY: Krista Rauch

Best investment I’ve made.

Precious was covered for everything except the pre-existing condition of Canine Megaesophagus. She developed a problem where Lymphatic fluid was leaking into her chest. Unfortunately even after ER care and overnight stays on several different occasions, we lost her. Because of the many different visits it was complex to work through all of them. The ER Specialty Hospital and Embrace worked together to finalize all of them.
5

out of 5

POSTED: | BY: Monica DeMarco

Do not purchase a policy with Embrace

I Purchased a policy and into the second year I submitted a covered claim everything was done in a timely manner but the company started processing it months later and have now denied me saying that I didn’t submit it on time when it was them they didn’t process it on time

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