Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: Evelyn

Horrible Customer Service

I can't tell you how unhappy I am with this insurance company. The customer service here is horrible. One rep tells you one thing and another one something else. I find myself calling at least three times for each claim than I should have. The website is not user friendly and not clear. My last experience was when I put in for a claim for the dog's medication. Was sent an email to show proof of the receipt and the name of the medication. Did that. When I saw it was still pending I called and they wanted to know why was he given medication and I told them they had to link it to the diagnosis report. They did that then I get an email stating it was not part of my coverage. You think they would tell me that in the beginning instead of making me go through all of that. If my pet did not have an existing condition I would have dropped this coverage a long time ago.
5

out of 5

POSTED: | BY: Michelle

Easy to use Pet Insurance

Easy to use one claim form pet insurance Customer service is great I would highly recommend Embrace Pet Insurance
5

out of 5

POSTED: | BY: Meryl

Embrace Continues to Pay

Embrace insurance continues to be wonderful by paying for all my dogs medical needs. My one dog has had I issues from a genetic condition that has gone on now for five years and they continue to be supportive and reimburse me for my vet bills. My dog would probably be blind now if I did not have insurance. Thank you Embrace because of you my dog still sees.
5

out of 5

POSTED: | BY: Heidi

Thankful for Embrace

I can not tell you how thankful I am to have Embrace insurance for my dog. She developed cancer at an early age and having Embrace insurance on her gave me options I would not otherwise have. The radiation process is extremely expensive and given my past experience with insurance companies (Car insurance) I expected a fight on my hands to get them to pay, but that was not the case at all. Not only did they cover all the treatments, they expressed concern over how my sweet pup was doing. Again thank you Embrace!
5

out of 5

POSTED: | BY: Linda

The best pet insurance I have found

I have used other Pet Insurance companies and have found Embrace to be the best. They are usually quick at reviewing claims and direct deposit my reimbursement.
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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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