Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Christine Burkhardt

I wish my health insurance was this good.

I wish my health insurance was this good. I got my pup Embrace pet insurance three years ago when he was about three months old. I haven't had any serious dog problems (knock wood) but every time I submit a claim, I am reimbursed, or provided with a valid reason why not, within 48 hours. They don't cover everything as much I would like (who does) but they are not sneaky about what is and is not covered and they don't make you request reimbursement three times before sending the check (I'm talkin to you fepblue.org).
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2

out of 5

POSTED: | BY: Carriann Isman

Chief's claims are consistently denied…

Chief's claims are consistently denied or not paid correctly. His chronic ear infections and skin allergies were deemed to be pre-existing, which Embrace would have never even known had I not provided his vet records prior to me even rescuing or owning him. Ever since, if there is any mention of an ear re-check, the rest of the claim, like dental cleaning, is not paid in full or correctly.
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1

out of 5

POSTED: | BY: Bryan Benoit

I have had Embrace Insurance for…

I have had Embrace Insurance for several years, I have submitted several claims but have yet to see a check. Embrace claims the vet is not providing the proper paperwork but has not explained to me what exact paperwork I need. Don't know what else to do about my max. Been a member @USAA for more than 40 years. Have never had such deplorable service.
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5

out of 5

POSTED: | BY: Susan McCauley

I’ve used Embrace for my dog for about…

I’ve used Embrace for my dog for about 10 years. Always easy to submit claims right through their app! Very happy that we received about 80% refund on most claims. My yorkie had many health issues and always was going to the vet or eye doctor. Submitted claims and received refunds quickly! Sad to say my baby passed away recently. But I will use Embrace again if I ever get another dog. Thank you
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5

out of 5

POSTED: | BY: Christopher Guzman

I've had Embrace Pet insurance since 2012 for my first set of Boxers

I've had Embrace Pet insurance since 2012 for my first pair of dogs and the initial cost might seem high at first, but this pet insurance company is second to none in the realm of pet insurance. Claims are easy to submit, processing and payment reimbursements are fair and fast. I have recommended this company to countless dog owners that I have met saying this company really cares about the wellness and life of your pets. Please sign up today, you and your pet(s) will be happy you did!!
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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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