Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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.
1

out of 5

POSTED: | BY: EGB

Horrible exxperience

Changed pet insurance because of the rating of 9 out of 10. Have had nothing but hassles about pet's vet care and documentation of health records. A claim submitted in early April has yet to be paid, and unless I called, no one would have let us know that the claim was still being reviewed for one visit! I'm glad others have had a good response.
5

out of 5

POSTED: | BY: Norfolk, VA

Fast, superior service

I have been with Embrace for 3 years and have had excellent service. Embrace has saved me thousands of dollars and plenty of heartache, including being able to get my dog expensive cataract surgery which saved her eyes and improved her quality of life times 10. I recommend Embrace to all the pet owners I know. I did extensive research before choosing a company, and Embrace has lived up to and exceeded their claims and their reviews. Even if I never failed another claim for the rest of my dog's life, I would consider this a good and necessary purchase.
4

out of 5

POSTED: | BY: S Schaefer

Easy & Great Service

Very happy with the service that is provided by Embrace.
5

out of 5

POSTED: | BY: Kate

So Easy

We got the wellness program for our new puppy since vaccinations and other things can really add up when you visit the vet every 4 weeks. Submitting the claim was easy and it was for the entire amount we paid the vet. Great customer service.
1

out of 5

POSTED: | BY: Michelle

Becoming Increasingly Frustrated with Service

I am becoming increasingly frustrated with the quality of the customer service provided by both the telephone reps as well as the claims processors. My claims are consistently being processed incorrectly with Embrace informing me that my claim is not covered when - in fact - it should be. Thereby requiring to make multiple phone calls and send multiple emails to receive the coverage that I have paid for. The avoidance and unwillingness to pay claims is almost equivalent to fraud. If you would like to chase your pet insurance company to claim monies truly owed to you, then please do choose Embrace.
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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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