Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,940

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.
4

out of 5

POSTED: | BY: Jeanne

A Positive Review for Embrace

I have been happy with the timely manner in which Embrace Pet Insurance reviews my claims and decides what to reimburse me for my dog, Roxy. Thus far, I believe the payments have been fair, and a big help to me in taking care of her needs.
5

out of 5

POSTED: | BY: jdh

honest and efficient, also kind (phone staff)

I could only wish that health insurance companies for humans handled things as efficiently and simply as Embrace does for my dog. Staff is helpful and kind on the phone, and procedures couldn't be clearer and easier to follow. I wish I'd had Embrace for the previous ten years (I used to have AKC's pet insurance and it was more expensive and far less efficient). Highly recommended!
5

out of 5

POSTED: | BY: Stacey

Stress relief for our fur baby

Chassis has suffered pneumonia, allergies, ear infections, eye infections and has just recently gone through food allergy testing in her first year. Enbrace has made our life of everyday stresses, just a little less stressful because of their quick response time and reimbursement of all Chassis' medical needs. Embrace has been the right decision for our fur babies!
5

out of 5

POSTED: | BY: Dalton

Prompt and honest

The long term respiratory problem with one of my kitties continues to be handled promptly and honestly.
1

out of 5

POSTED: | BY: Anna

Hard to get claims paid

My cat had surgery to remove two teeth that were receding into the jaw bone. This is common with cats and results from damage to the root of the tooth after the gums recede for any reason. My cat also had her teeth cleaned along with the tooth removal. Embrace initially denied my claim because they said it was wellness only as a teeth cleaning. I appealed and didn't receive a response within the time frame they gave me so I called them to check on it. The representative I spoke to said that they had the response ready and it was sending soon. She said the response was a denial of my appeal because it was dental related and thus excluded. So I reduced my coverage to the minimums so o didn't forfeit my wellness balance. I got a notice the next day that they had someone review the outcome of my appeal and that they would cover the surgery, but now my deductible was $1000 because I reduced my coverage the day before so they only covered a small portion. It seems clear to me that they have a policy of denying or delaying large claims until the customer really pushes back.
Please leave a review

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.
Provider website

Get a quote today

Leave a review