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.
5

out of 5

POSTED: | BY: Mary Ann Zarrillo

Reimbursements

I recently submitted copies of purchased prescription medication for my dog who has Cushings disease. I received an email from Embrace indicating they need more information in order to process the reimbursement. I called Embrace and they needed an original copy of the Vet's prescription in order to process my reimbursement. After we resolved that issue, the agent was very helpful and stated they would now fast track my reimbursement process. Embrace has always worked to ensure the customer has the best outcome possible. We feel very fortunate to have made a good choice insuring our little dog with Embrace Pet Insurance.
1

out of 5

POSTED: | BY: Joshua

It's probably best that you don't ask…

It's probably best that you don't ask me for a review after you've sent me an automated message telling me that you've denied my appeal of your denial of my claim. I made a case that would stand up in court--but the appeal was not only denied--but denied by a machine, not a human being. My dog is suffering. His vet prescribed physical therapy in November (it's May now, BTW)--and we went to one of the few places in Chicago. Our claims were denied because there wasn't a vet on site. So, I then took him to a place with two vets on site. One of them prescribed Rune's treatment plan. The first treatment session was partially approved (they refuse to cover manual manipulation, which is necessary to determine the dog's condition). But his next treatment visit was denied because it was not performed nor directly supervised by the vet (the vets don't....do that; physical therapists do. They didn't directly supervise his first visit either, which they covered). I've had to hold off treatment while I've been waiting for my appeals to go through--and my dog is shaking. He may need surgery now--so I hope Embrace enjoys paying for that.
5

out of 5

POSTED: | BY: Karin Pellitteri

It was great...she was so nice and very…

It was great...she was so nice and very helpful... Got all my questions asked.
5

out of 5

POSTED: | BY: christian zambrano

I had a great experience with the…

I had a great experience with the representative who helped me with my dog insurance. They were knowledgeable, patient, and answered all of my questions clearly. I felt supported throughout the process and appreciated their professionalism. Excellent customer service!
5

out of 5

POSTED: | BY: claire vella

First time dog owner

Great customer care. They really helped me navigate my first submission and answered all my questions.

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 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.

Get a quote today

Leave a review