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.
Embrace Pet customer service, claim process, and professional staff are exceptionally efficient and reliable; highly satisfied doing business with them.
I had 2 previous insurance companies covering my 2 girls because of the cost. I checked out Embrace and it was less expensive for both girls than the other two were separately. Plus, it covered more (or so it seemed). In the beginning, everything went well. I was paid for a couple of claims and they were fair.
Then, because I thought I had purchased regular health checks and routine vaccines, I submitted a request for a routine shot. It was denied because I didn't have some damn additional service called Wellness Rewards. When I joined, this was never even shown on the details page, although it is now. Anyway, after paying for it for both girls, they paid the claim. They never did tell me what happened to the part of the policy that covered routine stuff...and this addition was expensive.
Very quickly, one of my girls' very limited wellness amount was used up (payed a lot, didn't get much back).
Then the topper. We had an almost $1000 dental bill. This was for a routine cleaning, They paid about 1/4 of it because, get this, tartar is a pre-existing condition. Well DUH...EVERYONE gets tartar because they eat food! HOW can that be pre-existing? Then she had something on her gum. Now, she's 10. Whatever it was, I don't remember, but she had something like it a couple of years before...another pre-existing condition! Good thing they didn't have to pay for her cancer treatments because they would have found that pre-existing when she got it a second time, even had they treated it the first, which they did not. Just saying.
If I'm going to have to pay for routine wellness and have it declared pre-existing, to pay for dental care and have idiotic things every living being with teeth gets become a pre-existing condition, who needs it?
I figured it was just better to pay as I go because I would have to anyway and save the almost $500 a month I was paying for their insurance. It would, generally speaking, be cheaper in the long run.
Needless to say, I was extremely disappointed with this insurance. I will just continue to pay for vet visits as I have been for the entire time I have had dogs. I'm too old to put up with the aggravation and BS insurance companies love to give folks who pay every month and when they make a claim, get bupkus in return.
BTW, the date on this review is the day I purchased insurance with Embrace. I left the end of September.
Excellent customer service and quality insurance. They are very compassionate when you lose a dear canine family member. The process to submit and receive a claim is simple and fast. Highly recommend.
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 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.
