Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,633

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.
5

out of 5

POSTED: | BY: Marian Joy

Quick and efficient

I have three dogs ( a new flat coat retriever puppy, a 4 year old flat coat retriever who is new to me and a 6 year old lab), and bought insurance when I got the new puppy in May. So far (thank goodness) I have only used the wellness part of the insurance. I was very pleased to see a very quick and efficient processing and the claim check in my post office box very quickly.
5

out of 5

POSTED: | BY: Lynette

Able to focus on recovery and not the money

Thank you Embrace! We were able to focus on caring for Riley before and after surgery and not have the worry of how we would pay for her splenectomy. Because we had the comfort of knowing Embrace was there we didn't have to factor money into the decision of removing her spleen/mass. It was an easy decision only based on how it would benefit her. No worries!
1

out of 5

POSTED: | BY: Anon

SAVE YOUR MONEY!!!

I filed for pre-certification in order to be aware of the cost of the procedure, I might as well have sat on my ass and not done anything because the explanation of benefits is bull. They write part of the instructions in the email and part in the Explanation of Benefits, so when you try to contest because the refund you received was not correct, they have the right to say, "Well we did inform you of everything in the e-mail". I feel robbed. I have been a customer for over 3 years and I cannot believe that this is how customers are treated. I have recommended Embrace for years to family and friends and even to the Vet because I was so happy with their service. After my awful experience I will not be doing so again.
1

out of 5

POSTED: | BY: Ben Bergen

Terrible Service

With every claim that we have made, there has been some issue with the invoice or information that we have provided to Embrace. On every occasion, we have had to resend the same information to them several times. In one instance, they repeatedly requested health history for a period that was before my dog was born. I picked Embrace because of positive ratings on this site. They have utterly failed to live up to my expectations. My dog has been insured with them since the day that we got her (I actually began paying for the policy before we got her). I would not recommend this company!
5

out of 5

POSTED: | BY: Jennifer Cruz

Awesome service, and love the coverage !

Wellness claim, handled promptly and happy with the service.
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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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