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.
1

out of 5

POSTED: | BY: Jerrilynn Sampugnaro

We are extremely disappointed with…

We are extremely disappointed with Embrace’s handling of our claim and will not be recommending this company to anyone. After taking our dog to the vet for an injury to his throat, he was referred for urgent treatment at the ER, which required major draining. Despite this, our claim was denied twice, with Embrace citing a "prior condition." This was not a pre-existing issue, but a new injury that required immediate and critical care. As long-time Geico customers, we expected much better service. The way this claim has been handled has left us frustrated and disillusioned with both Embrace and Geico.
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5

out of 5

POSTED: | BY: Paula Marshall

Buddy’s pet Insurance.

This was the first time we have had pet insurance. Our experience was exceptional with our German Shepherd Buddy. We had professional, quick claim response. We lost our dog about three weeks ago and have had such kind compassionate care from the Embrace team. If we should need pet insurance in the future, Embrace will be our choice.
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5

out of 5

POSTED: | BY: Raynor Consackle

Easy to file a claim

Easy to file a claim
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4

out of 5

POSTED: | BY: Dean Gardner

Did respond and explain claim

I submitted several invoices at one time and they were mostly processed quickly. One of them needed clarification because it was part of an existing illness however a 2nd deductible was taken out. I have explained the situation 2 times through the system and have yet to get any response. Update - I was finally contacted and the situation was explained that one claim was a pre-approval and one was the actual charges. Not clear up front - why not use the same claim number?
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5

out of 5

POSTED: | BY: Tammie Wasinger

Seamless Claims

Had to put in a claim for medicatiopn and it was also smooth and seamless. Thank you for all your hard work for us customers!
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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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