Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Matt

Coverage was as complete as it gets, and my claim was processed very quickly without fuss.

I took my dog in for her annual checkup. I submitted a wellness claim on Wednesday. 100% of the amount was covered, and th claim was approved on Monday. You just can't ask for any more.
1

out of 5

POSTED: | BY: Robin

Will find any reason not to pay!

My experience with Embrace has been nothing but frustration up until this point. They have denied every claim that is for any substantial amount of money and indicate it is all not covered because of pre-existing conditions, when in fact, surgery needed to be done to determine what the real issue was. They don't care and seem to be classifying EVERYTHING as a bladder infection! I am currently in an appeal with them, but I am not optimistic. Buyer beware, if you take your pet in for a wellness check, pray they do not find any type of infection within the first 2 weeks or Embrace with NOT cover ANY subsequent treatments!!
1

out of 5

POSTED: | BY: Billy

All About what they Can't do for you

Lets start by simply saying, Horrible, just horrible. They offer pet insurance but do not cover Leg Injuries for the 1st 6 months of your 12 month policy. Really Leg injuries, The most common injury for a dog period! The customer service agents read from a script so directly that they sound automated. Never in my worst fears would I have thought that when my dog got hurt that the insurance company would be the Biggest cause of stress for me and not how to pay for the surgery for the injury. Would not recommend to my worst enemy!!
5

out of 5

POSTED: | BY: William

Excellent Service

We are very happy we switched to Embrace two years ago. Excellent coverage and customer service.
5

out of 5

POSTED: | BY: Tracy

User friendly site, always updates me with claims in a timeley matter.

Embrace is a very user friendly site. I can easily see when a claim has been obtained and updates on how it is processing.
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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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