Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Ruth Parker

They started good

They started good. Then they raise my coat every year. They state due to vet has gone up. When I ask for prove with phone number so I can call to verify. They inform me was because my dog was year older They offer I lower price is a raise my deduction. But they would raise and I would call the next year and again I would have to raise my deduction amount. Therefore I cancel the policy. In two years when frp 47. To 64. Per month. I hate them we are not fool
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5

out of 5

POSTED: | BY: Gerald Steinberg

Friedly and very helpful staff

Friedly and very helpful staff. Without Embrace many couldn’t afford to have a pet animal. So, thank you for your being there for us and our beloved pets.
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3

out of 5

POSTED: | BY: Ricardo Aguilar

Too Slow with their clams.

Too Slow with their clams.
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3

out of 5

POSTED: | BY: Matt

Timely and slow

Very slow claim process and had to do all the work for the insurance company. My time is precious, why am i doing your work? I should have to call doctors. Cost friendly compared to other companies, however, other companies pay 100% of everything. Just got my claim today, two months later. Wasnt the greatest experience.
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1

out of 5

POSTED: | BY: Robin Broadway

Not reimbursing

Well let me tell you if if you had a pre existing condition or don’t know you had a preexisting condition:check with you Vet before buying this insurance. We did not know because a phrase called (choppy gate) which in the ‘doc notes’ which you don’t see unless you ask see we were told no existing conditions but when we filed a claim sure enough the doc note had this so no money for any of my claims. So I paid 2 month premiums and unfortunately my dog passed away and we got zip due to a librella shot that killed him due to osteoporosis (choppy gat) So $1500 with only about $300 reimbursed be very aware very aware plus it took almost a month for them to decline my claims awful company I’m not happy
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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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