Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: John

Worst Pet Insurance Ever

After MONTHS of jerking us around, our claim for giardia was finally and with finality, denied. This denial is based on a previous vet visit from 7/2013 where diarrhea was noted by the veterinarian. No fecal workup was done, due to the diagnosis NOT being giardia. On 3/3/2014 she was diagnosed with giardia (got by drinking water at a dog park). The total bill for this was over $1000, and was handled expertly by our vet. They have denied our claim, and completely given us the run-around due to the notation by the previous vet back in July. If she had had giardia for 8 months, undiagnosed and untreated, she would be dead. Despite this logic, they still refuse to pay. I would never recommend this company to anyone, and I will never use them again.
5

out of 5

POSTED: | BY: Lisa

Recommend Embrace Pet Insurance

I have both the Wellness coverage and accident/illness coverage for my 2 dogs. Luckily, we have not had to use the accident or illness policy. The Wellness policy has been easy to use, and they have handled all of my claims quickly and easily.
5

out of 5

POSTED: | BY: Diamond

Great Service and Coverage

Claims are always paid in a timely manner. In addition they send you an email to make sure you had received your reimbursement. Again great service.
5

out of 5

POSTED: | BY: Donna

Very courteous and efficient

Our dog Reno had ACL knee surgery, and Embrace insurance was very helpful and efficient in taking care of the claim.
4

out of 5

POSTED: | BY: Cathi

Easy claim and renewal process

We have had this insurance for four years and we've made a few claims. The claims process is simple and easy (even though it may take a little while). The renewal process is easy too.
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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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