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: Kathy Janes

Very, very pleased!

When I signed up for insurance for our dogs, I was overwhelmed by researching the many options. I finally decided we'd go with Embrace and I'm so glad we did. Their customer service is awesome; no matter who I speak with or email, the response is friendly and helpful. Now that we have a dog with an unusual illness, I couldn't be happier with the communication and the quick responses. The Explanation of Benefits is clear and the checks come quickly. Thanks, Embrace team!
2

out of 5

POSTED: | BY: Jennifer

Rejected.

My pet Sunny, has been rejected for every claim i have filed this whole year! He had an arthritis problem which was not pre-existing and cost alot of money to get it diagnosed and in the end, Embrace said i had to first meet the $500 deductible, then a few other claims which also got rejected because they were considered "pre-existing". Lots of dogs have allergy problems but since it is "pre-existing" is not covered. The medications are expensive... Does the insurance only cover for emergencies only then?
3

out of 5

POSTED: | BY: Stephen O'neil

gastric nightmare

My black lab pup got into something toxic and threw bloodfor a couple of days. Got him back to normal in about a week. Embrace is good but is inconsistent in the timing of processing their claims. processing
1

out of 5

POSTED: | BY: Vicki Tolbert

Don't waste your money

They don't cover any condition that was even present before you take out coverage. So if your dog has something that the vet has looked at before but no action was needed at the time. It is not covered if you need something done at a later time.
5

out of 5

POSTED: | BY: Cliff Feldman

Excellent

Embrace provided excellent communication for my recent claims, keeping me abreast on the status every step of the way. Great company, great people!
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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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