Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Brian Stuckelman

Embrace is the BEST!!!!

I have been with Embrace for 6 years. They are truly the BEST! They pay their claims in a timely matter. Just took Roxy (My Dog) in for her Annual Checkup and had an ear issue at the same time. Within 10 Days I had my claim taken care of and paid. Love this company!
5

out of 5

POSTED: | BY: Maureen

Year 3 and loving it

I'm on our third year with Embrace and I can't imagine why it took me so long to get it for my pets. Best decision I ever made!!
5

out of 5

POSTED: | BY: Jim O'Connor

Embrace has stepped up big time!

Our three year old Labrador retriever contracted Blastomycosis which is a serious fungal infection of the lungs. His treatment plan is very expensive and could last for 6 months. Embrace has been with us every step of the way ... diagnosis, X-rays, antigen tests and very expensive medications. The Embrace Reps are very knowledgable and compassionate. Honestly do not know how we could get through this with the team at Embrace.
4

out of 5

POSTED: | BY: Joshua

Improve claim submission

I submitted my claim by fax and no one ever received it, then I sent it in to the claims email and no one got it. I had to actually call in and email it the customer service agents business email, not a very easy process.
1

out of 5

POSTED: | BY: Christina Gaetano

Horrible Service, no follow up on claims submitted

Really poor service. It's almost April, and the incident happened in January to my 1 year old dog. No follow up's from the insurance as to what we are reimbursed for. Called at least 3x, if not more. I'm told to wait another week, then another week. Keep being shifted and held off. Very poor service. Slipping through the cracks it seems. Terrible. Added a 2nd pet to the policy. What poor experience. Have 2 puppies under the age of 2 years old. Not treated well, for all the money we spend with you monthly. We have healthy dogs, this was an isolated incident and the service is just so poor.
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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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