Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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.
2

out of 5

POSTED: | BY: Megan

Not entering claim date correctly and delaying my $300 reimbursement

It’s frustrating when I send in a claim and have two separate itemized receipts with it that the cheaper receipt goes through but the receipt over$400 somehow gets put in with the wrong date and is lost. So when I call in about it because I see one covered but not the more expensive one, they tell me it had the wrong date on it and they’ll fix it but it can still take over a week before it’s processed. It’s annoying that this is the first time I’ve had a claim this expensive and the first time they’ve messe it up. Strange to me. Almost like they didn’t want to reimburse me for the more costly receipt. Hopefully they will get it processed quickly being that it was their mistake. First time I’ve been disappointed with them so I would still recommend them but they should make a point to fix their mistake as quickly as possible instead of just saying it’ll be rather regular process time.
5

out of 5

POSTED: | BY: liz

fantastic amazing and reccomend x 100!!

they litterally saved notorious (my pups) life . we had to fund his emergency from our bill account . they processed our claims so quick we didn't have to sweat it !
5

out of 5

POSTED: | BY: Stephen Heney

Outstanding service, prompt reimbursement, Embrace staff is extremely competent and friendly!

I have been completely satisfied with Embrace. Hank is my second dog that had a large bill (ACL repair) covered. Our prior dog had multiple services and bills covered towards the premature end of his life. I have been so pleased by the compassionate and competent handling of my concerns by the entire Embrace staff and I recommend Embrace to anyone and everyone that is looking for pet insurance.
1

out of 5

POSTED: | BY: Sandra Stough

This company is not good at all

This company cannot follow up then even asks me to reach out then claims that my dogs dew claws are not based on illness. She had two infections do to these dew claws so vet suggested removal. So thinking well we are covered then to get an email saying it is not an accident or illness nothing is covered followed by a “warm regards” really?? Totally irritated here. I cover two poodles and honestly together coverage sucks compared to my monthly bill for this.
5

out of 5

POSTED: | BY: Lipe Zsuss

I am glad I have Embrace.

I recommend Embrace, It is the best decision I made when I got my 2 dogs, I also have a Yorkie.
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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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