Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,838

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,838
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: Larry A

Go Elsewhere

It seemed like it was a good insurance policy but as I took my dogs to the vet whenever I submitted claims they were nickel and diming items on the claim. It was more like they were busy finding reasons not to cover than to do what is right by the claimant. They refer to their wellness plan and when I got that again I was nickel and dimed. After two years they asked for one of my dog’s medical history prior to the policy continuing. The dog had no issues. The company seems to be interested in getting premiums but not paying out. I switched to spot insurance instead. They were less and covered more.
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2

out of 5

POSTED: | BY: Angela Bukala

My puppy had two different hospital…

My puppy had two different hospital visits back to back for the same thing and claim is still not settled on the first hospitals visit. The second hospital claim is already closed a\yet no re imbursement.
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5

out of 5

POSTED: | BY: Ardith Schweiger

Embrace has been very helpful so far!

Embrace has been very helpful so far. I do recommend getting your cat and/or dog signed up for an insurance plan as soon as you adopt them. The exclusion for pre-existing conditions can be quite harsh if you wait to sign them up. I will always sign up my furbabies for a policy right after I adopt them! It is MUCH better to have an accidental policy and never use then to have an accident and not have an insurance policy! With cats and dogs, anything can happen even if we are careful!
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1

out of 5

POSTED: | BY: Casey Bollinger

my dog had a lymph node that swelled up…

my dog had a lymph node that swelled up due to infection in the body (a natural response when you are sick) and they claimed it was a pre-existing condition. i had the vet write a dispute to let them know this was not the case that the swelling was not related to anything prior, and they still denied the claim. now if his lymph swells again which naturally it may whatever it is in response to they wont cover. Its a scam
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1

out of 5

POSTED: | BY: Jessica Binhack

This company will find every reason to…

This company will find every reason to deny your claim. I had to contact them 4 times to get them to see where they had made a mistake. I responded to their reasoning in messages and they sent me the exact same reasoning each time. It was like they didn’t even read what I said. It took me calling and being sent to the adjuster’s voicemail to actually get in contact. The adjuster sis not call me back, but emailed me with the SAME response. I immediately responded and told them they needed to call me. We set a time, they were late, I emailed again and immediately got a call. The adjuster had gone to her higher ups and they pointed out what she missed. This has been ongoing for a month. I am cancelling my insurance with them due to the crappy customer service. Their plan isn’t even that great. I’m going back to Nationwide. I never had problems with them.
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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.

Provider website

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.

Provider website

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