Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
2

out of 5

POSTED: | BY: Camille Pierson

Hard to get claims covered

It's a huge ordeal to get anything covered. They often misassess claims and deny things that should be covered under my policy, requiring me to fight for coverage, which is a slow and often unsuccessful process. I would have saved more money just paying for my dog's medical expenses outright, rather than paying for this insurance, which hardly covers anything
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1

out of 5

POSTED: | BY: Ann

Pre-existing condition nonsense

My puppy has not had any issues except coccidia but Embrace's VT read in her health history that her ears were a little red but there was no infection. So now she is asserting that an ear infection that occurs within one year of pink ears would be considered a pre-existing condition. This is wrong! It is just an excuse to not cover ear infections in the future when there has not been an infection at all. I will have my vet address this incorrect analysis. But the point is that I should not have to go through this from someone that has never even seen my puppy.
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5

out of 5

POSTED: | BY: Rogelia Sorto de Campos

Outstanding Service.

Embrace always process the claims on a timely manner. Customer Service is very compassionate.
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5

out of 5

POSTED: | BY: Barbara Sills

Returning customer

This is my second dog covered by Embrace. I had such a wonderful experience with my former little dog who lived to be nearly 19, all because Embrace does not quibble about the charges, pays promptly and cares enough to send a seeded card to express their condolences when I had to put my pup to sleep. This time around my new pup has had all her claims covered promptly and without questioning. I have boasted about the excellent coverage to my vet who is now referring Embrace to her many clients. This is an excellent company!
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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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