Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Amy Campbell

Pet insurance, the best decision I ever made!

We rescued Maggie on 6/6/2013 and decided to take out a policy because we didn't have a health history on her. 6 weeks later we went on vacation and boarded her at the vet with instructions to look at her right eye that had a discharge. She was diagnosed with Glaucoma in the right eye (72 pressure) and a partially detached retina in the left. The pressure was too high and she lost vision in the right eye. She had 8 visits to the regular vet and the eye specialist in a period of 3 weeks. Our refund was around $2,000 for those visits. Since then she has had a total of 64 claims. Most recently she had laser surgery in an attempt to retain sight in the left eye (glaucoma) and then developed an ulcer in the right eye. She is scheduled for surgery next Tuesday to remove two mammary lumps with a 50/50 chance it is cancer. Even with the insurance it is expensive, but there is absolutely no way I could have provided her with the care she needs without it. My only regret is not taking out the prescription policy since she is currently on 8 different medicines! Embrace has been quick to approve my claims and any issues I've had have been take care of quickly and to my satisfaction. Thank you Embrace!
5

out of 5

POSTED: | BY: Kevin

Great and prompt service

I have two Bernese Mountain Dogs and it seems like we're always going to vet for one issue or another. Embrace has been great since day 1 when I first started with the insurance 5 years ago. The claims process is super easy and claims are reimbursed quickly and without any hassle. Great company!
5

out of 5

POSTED: | BY: Amy

Always great customer service and all the coverage I expected!

I've been using Embrace for 7 years now to cover my GIANT dog (Mastiff/Great Dane), and I've had consistently positive experiences. The coverage has been exactly as expected and the customer service has exceeded my expectations... they are quick, compassionate, and thorough.
1

out of 5

POSTED: | BY: Evelyn Davino

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 Williams

Easy to use Pet Insurance

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

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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