Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Sean Carchidi

First wellness claim a success!

I bought the wellness plan plus knowing that I was going to be visiting the Vet many times for puppy shots etc. the Wellness plan is sort of like a savings account you can pull from early. The $400 allowance will go a long way! Also, the money requested had a quick turnaround!
5

out of 5

POSTED: | BY: Curt Fauerbach

Incredibly fast claim payment

My first claims were for wellness check ups, and were received within a couple of weeks. Embrace always has immediately followed up on all correspondence and I received an email right after the claim payment making sure the payment was received and asking if there were any concerns. This is great business.
1

out of 5

POSTED: | BY: Andy

Pre exsisting excuse

This is my first and last time using a pet policy insurance scam. I'd rather save the money for the vet since I'm going to have to pay anyway. In May I decided to obtai a policy because I had heard from others that it was a good thing. So I searched online and decided to go with Embrace. I have a rescue dog I had gotten in August so I knew that his hear condition would fall under preexistimg, however, to my surprise that after waiting a month for a $628 claim on removal of a cancerous tumor on my dogs cheek I was denied. I had to follow up numerous times due to insufficient vet reports though this was all submitted for approval of the policy in the 14 day grace period. It seems that a growth on the foot the initial vet and my current vet have dismissed as an overgrowth due to an infection from lousy care of the previous owners could be related to and therefore a preexistimg condition of the current tumor on the side of his cheek! Really?! Embrace says the vet report does not give them enough information as to whether or not the foot growth is cancerous. Hmm don't you think if it was they would have told me we would need a test to find out if cancerous instead of put a boot on it so it does scape and get a rug burn! Embrace said I could go through their appeal process and I told them they could have called the vet if they were uncertain if the two were related due to the reports. Obviously they read and determine a vets report based on if they want to pay or not pay. The p
5

out of 5

POSTED: | BY: Andrea

Always Great Service. Always!

I have submitted multiple Embrace pre-certifications, claims, and wellness reimbursements, and every time I receive thorough and quick communication and know that if I email or call with a question, it is answered well and quickly. The process has been very satisfying, especially when dealing with unexpected and upsetting illness of a loved family pet. Claims are processed very quickly, even when my vet has faxed the papers directly. Thank you!
5

out of 5

POSTED: | BY: Dr. Connie

Embrace has been a lifesaver for my two pets.

Having Embrace pet insurance has changed the quality of life for me and my two adorable canines (Tiger and Vanilla). Because Embrace is so reliable about working with me, I do not hesitate to give my two pets the medical and wellness care that they need. It is so reassuring that I can have their health attended to in the same way I can address my own. Thank you Embrace staff for your courtesy and caring. Respectfully, Dr. Connie Portero

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 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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