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.
1

out of 5

POSTED: | BY: chase cutler

ALL CLAIMS DENIED

After securing this insurance for my dog and paying my monthly premiums for a year, i submitted a claim for a torn cruciate ligament. This claim was denied citing the reason that i had not fulfilled the full 12 month period before filling a claim. I was 19 days short of a full 12 months. I continued to carry the coverage because it appeared the other leg might have the same trouble. After filling a pre certification, she was denied again because of it being a "bi lateral" condition that was previously denied. This coverage has done nothing but take money from my wallet!!! If you are considering this coverage, do not get it! It has been no help at all to me.
5

out of 5

POSTED: | BY: Sara M

Best Ever!

My two dachshunds have been insured through Embrace for a number of years and I've had a wonderful experience with the company. Each claim and inquiry is responded to promptly and I've never had a claim rejected. The reason I selected Embrace is because it doesn't exclude coverage of illness/injury that dachshunds are prone to (back issues). I highly recommend Embrace to anyone looking for quality coverage and customer service.
5

out of 5

POSTED: | BY: david murthy

Professional with a personal touch

Embrace is great so far. We have had it for about 2 years and they have really impressed us. I have contacted them multiple times on the phone and was surprised to talk to a real person each time; usually with no hold time. The employees seem to care and they listen to your concerns and issues. They are are very helpful in solving them with you. They are quick with their payments and there are really no surprises other than great service. I have already recommended them to multiple friends.
5

out of 5

POSTED: | BY: Michael Villa

claim review is quickk and efficient

Submitted first claim under wellness and I must say I am very pleased with the quick response.
5

out of 5

POSTED: | BY: Cherie

Very happy with my dog's Embrace policy

My lab-x tore his ACL this past summer and had TPLO surgery. After surgery, he had some complications that sent us back to the vet several times and to the ER once. All claims were paid quickly and exactly as stated in the policy. Embrace reps are helpful and quick to answer any questions I have. I recommend Embrace to all of my friends with pets.
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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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