Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Joe

Ultra Fast Reimbursement

Have had Embrace since we obtained our pet. We’ve had two major claims (conditions common to the breed) and each time we were reimbursed within 7-10 days. Filing medical claims electronically and receiving reimbursement directly deposited to our bank account is very convenient. Wellness claims likewise are fulfilled without delay.
5

out of 5

POSTED: | BY: Marian

Excellent! The staff was very helpful and showed great compassion.

When your pup has a freak accident you don't think, just react. I want to thank Embrace for their genuine compassion and help during the claim process. Superb customer service and yes our girl, Pennee Lang, is 100% once again! Thanks to all!
5

out of 5

POSTED: | BY: Darlene

Diligent and great communication

Our puppy ate raisens which we know our toxic and took him to the emergency vet. They were lax in getting additional information back to Embrace so that our claim could be processed. Embrace kept us informed of the claim status until it was received.
1

out of 5

POSTED: | BY: steve

What a joke! Scam

This has got to be a scam. Out of 4 claims only 1 was paid in full. They didn't even cover the emergency visit or exam fee when my dog was in pain due to a swollen prostate and blood was coming out of his penis. Stay far away from them. Wish I would have listened to other reviewers that had the same issue.
1

out of 5

POSTED: | BY: Lauren

Go ANYWHERE else but Embrace: Insurance Frauds

Clearly a fraudulent company. After changing their story multiple times, I was denied for a non-existent “pre-existing” condition. It got to the point where the representative told me to be “be careful of the fine print” because they are aloud to find technicalities.” That sounds pretty unethical to me! The lawyer said we would have no problem winning our case against Embrace because the are clearly attempting to commit insurance fraud. STAY AWAY!!!!!!
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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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