Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,717

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: Ted Lindstrom

Baseless Claim Denial

Very disappointed with Embrace's effort to deny my dog Murphy's claim for renal disease testing. During a routine check up, my vet noticed abnormal kidney values and recommended testing. Embrace denied the claim as a pre-existing condition because Murphy had experienced diarrhea before I purchased my policy and diarrhea is a symptom of late-stage kidney disease. My vet said the denial was ridiculous. The appeal is under review, but it seems Embrace is just like every other insurance company -- they happily collect your premiums and then do their utmost to deny claims on the flimsiest of grounds.
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5

out of 5

POSTED: | BY: Christine G

Comprehensive affordable policy

Comprehensive affordable policy. Great customer service, easy to submit claims and processed within a few days.
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5

out of 5

POSTED: | BY: Nancy Rando-Gedell

Wonderful customer service

This was all new to me and the representatives I spoke with were great and clarified all questions that I had. Claims started reviewing my dog’s case immediately and cc’d me every step of the way. Last month I changed the plan on my dog and decided now that I want to keep the good coverage I had. The change would have taken place next month. The representative switched it back for me without a problem. Great customer service!!!
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5

out of 5

POSTED: | BY: Tony LoBianco

Informative agent who was patient in…

Informative agent who was patient in listening to and responding to my inquiries so that I could make an informed decision.
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5

out of 5

POSTED: | BY: Carolyn Gaughan

Very prompt with claims...

I have never had a problem with Embrace, they were always very prompt with my claims. I have had it for my dog for almost 13 years....
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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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