Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Robert Bomar

Review of claim process

Brought our puppy home from the breeder and per their recommendation purchased health insurance from Embrace. Before his first scheduled vet visit for his next round of shots, he came down with Parvo. After 2 1/2 weeks of treatments and over 1600 in bills, I submitted the claims. About 3 weeks later, I am told that because our puppy had not been to the vet before this other than when the breeder took him to get his shots before we picked him up, out claim was not valid. I will be contacting the breeder and letting them know about this before they mention Embrace again to a buyer of a 1400 dollar puppy.
5

out of 5

POSTED: | BY: Jessica

We love Embrace!

Embrace has been amazing to work with. Poor Jackson has been thru the ringer: a spinal surgery in 2014, another spinal surgery in 2015, and treatment for Addison's disease this year. Their claims process has always been smooth and easy, with quick turn around and fast reimbursement. No hoops to jump thru; no need to argue for coverage. I can't recommend Embrace highly enough!
5

out of 5

POSTED: | BY: William Krellner

So Far, Great Investment

This organization does everything it says it is going to do. Read the policy and they cover what they say they will cover. Very happy with their prompt service and claim paying. I recommend them highly.
2

out of 5

POSTED: | BY: Sherry Hilding

Regarding 8/17/2016 claim

I do not understand your claim process. A claim was submitted for a stool sample ordered by the vet as she suspected eosinophil. She wanted to rule out parasites. Layla had a blood test that showed elevated eosinophil in her blood, plus swelling in her lip and foot. I do not consider this - the stool sample - a routine test and have no idea why it was called wellness as the purpose was to help diagnose. I am not happy about this. I feel like I am dealing with a human insurance company, only worse. I is not making me feel good about Embrace.
5

out of 5

POSTED: | BY: Frances Daubenmier

very good customer service

Had a little problem with my first claim but customer service was great and kept working until the issues were resolved. Response time on second claim was fantastic.
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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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