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: Mike

This insurance is a scam

I submitted everything I was supposed to in order to get the policy going,and after I submitted my first claim they told me I needed to resubmit everything over,plus the dogs last 12 months medical history, I told them the dog was 12 months old and I got him at 2 months old.i was told there wad nothing they could do for me, really??I cancelled my policy,everything is fine till you submit a claim,then prepare for months of red tape ,as they try to wiggle out of paying the bill.smh
5

out of 5

POSTED: | BY: Pam

Happy with Embrace

Embrace has been very prompt in handling Bailey's claims. The staff was helpful when I called with a question. I would recommend them for Pet healthcare,
5

out of 5

POSTED: | BY: Kelly

Embrace is WONDERFUL!

We have had a policy with Embrace for over a year. Our Lab, Rooney was gravely ill with acute kidney failure after he was neutered last year, and Embrace was absolutely amazing every step of the way. From the ease of submitting claims to prompt payment, I am ever so grateful for this team. Perhaps the best thing in my opinion about the Embrace team is the level of professionalism and care with their customer service department. The team answers questions quickly and thoroughly, and I really don't think I have a negative thing to say. We purchased our policy when Rooney was just 5 months old, and we will have it throughout his lifetime. If you are debating getting pet insurance, I highly recommend Embrace for affordability, coverage, convenience, and most of all, how much they care.
5

out of 5

POSTED: | BY: Lydia

Pet Embrace always prompt

Pet Embrace is always prompt with my claims. They contact immediately letting me know when they receive my claims. I am confident in their ability to process Serenity's claims as soon as possible. Serenity, my American Eskimo, and I are very grateful to Pet Embrace.
5

out of 5

POSTED: | BY: M.

AWESOME PAWSOME

Since becoming a member of Embrace I have only twice had a challenge, and it was more about mixing up the claim between dogs, and having it corrected. I have since learned it is best to have wellness purchaes like flea and tick, purchased individually for each dog rather than lumped together. My only other concern is that I wanted both dogs to be on the 80% reimbursement plan. Somehow a snafu happened, not sure if it was mine or their's, but I cannot get my girl on the 80% without having to start from scratch, meaning waiting periods etc. But these are minor in the big scheme of things and I am constantly recommending Embrace and the need for Pet Insurance. I cannot say enough great things about Embrace and look forward to working with them as my babies go enter this final stage of their lives. I have peace of mind knowing that as little things crop up now, I have Embrace in my corner. Thank you Embrace!!

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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