Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Trudi

No surprises

Prior to Embrace I was with a different pet insurance company. I'm a good reader, but it seems not good enough. Virtually every claim was paid at a rate lower than I understood it would be based on what I read in the policy. I'd call, they'd explain, I'd say "that's what that means?...you're kidding?" No, they weren't. So I must have called into the Embrace Customer Service at least a half dozen times asking questions before switching companies. Well, now I am in the middle of a medical problem with my sweet labradoodle Faith - and Embrace is paying exactly as I read in my policy. Thank God.
2

out of 5

POSTED: | BY: Carol

Appeal

I submitted an appeal for Presley for date of 06/14/19. I appealed the hospitalization for the treatment of glaucoma. Dr. Parver filled out the questionnaire stating that the blood work and the hospitalization was strictly for the glaucoma. Your company only paid for the blood work. I am appealing this appeal cause clearly it says on the questionnaire stating that both the blood work and hospitalization was for the glaucoma. I left a message for Laura who took care of this appeal. I want someone else to look at this appeal because clearly she cannot read the questionnaire correctly.
5

out of 5

POSTED: | BY: Jenna

I have been very pleased with my Embrace experience! Easy & customer friendly!

I have been very pleased with my Embrace experience! Easy & customer friendly!
5

out of 5

POSTED: | BY: Bonnie

Amazing and Affordable

I've had Embrace coverage for my pooch for several years. She's been healthy, until she tore a tendon in her shoulder. I've never been so thankful to have a safety net to help with the expense for months of treatment and rehab. The premium has remained competitive, claims are easy and paid quickly.
5

out of 5

POSTED: | BY: Robin

Love it!

I knew when I was getting my Labrador Retriever, Archie, that I was going to get pet insurance. After much research I finally decided to use Embrace and I haven’t been disappointed Archie will be 3 in September 2019 and he has been insured as soon as he could get a policy. For Archie’s first year I had the insurance and the wellness plan. I knew for the first year there are so many vet visits, vaccines and such so the wellness plan made sense. After he turned 1 I only kept the insurance and stopped the wellness. When I have expenses the process is quick and easy especially with direct deposit. People ask how much his policy is and they are surprised on how little I pay. Very happy with Embrace!

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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