Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Brad

Long time customer

We have been with Embrace for several years now and have never had a complaint. Our late lab Tater went through some horrible times, and all the time Embrace was there with the coverage but more important kind words when you needed them. Buck, our yellow lab recently was diagnosed with a joint problem and Embrace was there again. He got the treatment he needed and just got a green card to play like the puppy he was born to be. I highly recommend Embrace.
1

out of 5

POSTED: | BY: Cori

ER Visit

I am furious with this insurance. Fool me once shame on you, fool me twice shame on me. I renewed my dog's policy after having nothing but issues with this insurance and now am still having nothing but issues. We had to bring my dog to the ER day after Thanksgiving. The bill was almost $500. The had to do Xrays, labs, etc. I submitted my claim to Embrace and the same day I get an email back that Bailey had maxed out her wellness rewards for the year so they will not be paying a good portion of the bill. The visit had NOTHING to do with wellness. When I called the ER the labtech said, ma'am, we don't do wellness visits here. I said yes I know. Every time I submit a claim to this insurance, even after calling to confirm information, they find a reason not to pay the claim. I am completely disgusted and outraged. We just got a new dog and I will absolutely NOT insure him with this company. They have been nothing but scams and headaches.
5

out of 5

POSTED: | BY: nicole

quick and efficient

first time having pet insurance but we got a newfoundland puppy and figured we better get some insurance. Have submitted two claims on her wellness benefits and the people at Embrace were very quick in letting me know they received the claim and then very good about letting me know when the money would be in my account. So far very happy with our choice of insurance for our puppy.
5

out of 5

POSTED: | BY: Jenna

Great Insurance!!!!

Great insurance! My puppy ate a chicken bone and had an emergency surgery costing over $3000. Embrace's claim process was quick and easy. I received a check for 80% of my claim within 30 days.
5

out of 5

POSTED: | BY: Randy

If only my health insurance was as easy and good

I think human health insurance companies should follow the Embrace approach with regard to customer service and delivery of benefits...
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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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