Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
4

out of 5

POSTED: | BY: Pati Baker

Had to take my pet to Emergency Vet…

Had to take my pet to Emergency Vet that was indicated on the policy. She had started limping. After approximately 30 days was reimbursed minus deductible at my agreed policy rate. This was a little aggravating as my pet had never had any lameness before but Embrace was doing their job.
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5

out of 5

POSTED: | BY: Jeffery Holmes

Excellent customer service

Excellent customer service, friendly staff. Intuitive claims process. Works as advertised. Very happy with the whole experience.
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2

out of 5

POSTED: | BY: M Keiser

I currently feel as if I am dealing…

I currently feel as if I am dealing with the insurance adjusters that work for the boss on the Incredibles. They are finding ways to not cover issues that should not be considered bilateral or preexisting in any way. As a reply to embrace. For more details. How is a corneal ulcer in anyway considered preexisting to a cherry eye that was in a separate eye? A bilateral that is a completely different diagnosis. Currently working on an appeal but feel I really shouldn’t have to fight this. My account with you under Mike.keiser Thank you for your time to respond.
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1

out of 5

POSTED: | BY: Bobby S

Save your money; they cover very little

Had insurance for over 10months on a new puppy. The very first claim I tried to make after the full 10 months for upset tummy/ diarrhea, they came up with every excuse they could to not cover 1/10th of what I had already paid. My sister had great luck with them but I found much better off self insuring and saving the copious amounts of money I paid them to cover even the worst of bills I’d ever get from vet. So disappointed. Total scam.
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5

out of 5

POSTED: | BY: Micheal Brazelton

Embrace for our 13 yr old pup

We starting using Embrace about 2 1/2 years ago and started when our pup was already a senior at 11. While some things are considered pre-existing, like his arthritis issues (he had 2 ACL surgeries prior to insurance) - we have had success in using insurance for other things. As an example, a mass was just found on his spleen (luckily benign!), submitting claims has been very easy for the related ultrasound, surgery, etc. So far we have not had any issues with a claim being denied. I will never be without pet insurance again!
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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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