Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: James

Seems like a scam

Seems like a scam. They sent emails to the Human Society for a month, the Human Society responded that they had nothing other than a rabies vaccine, and then Embrace keeps asking for records and then denied the claim. I would try another insurer.
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3

out of 5

POSTED: | BY: Stephanie Hayden

Great service but can't afford it or my…

Great service but can't afford it or my USAA insurance because I have to protect my house, sorry to see it go. My ptsd puppy in training really deserves his one year check up. Such is life spoiling pets isn't everything but thank you. WiLL be back after getting disability and a job back.
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1

out of 5

POSTED: | BY: Paul Serra

The WORST pet insurance company

Would not cover my $700 vet bill because "vomiting" is a pre existing condition for my dog. Only problem is, we did not take our dog to the vet for vomiting. We appealed our claim with a written letter from our vet but they still said they would not cover it. I've been paying for this for almost 2 years, about $50 per month. This is a complete scam.
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5

out of 5

POSTED: | BY: Debra Lazar

My experience with Embrace Pet…

My experience with Embrace Pet Insurance was amazing. Their representatives are very professional, knowledgeable, and kind. They process the claims very quickly and the money is deposited in my account right after it’s approved. I would recommend them to anyone.
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2

out of 5

POSTED: | BY: Masanyu

170% Monthly Premium Increase

At the annual renewal, Embrace increased my pet's premium from $87 to $235 monthly. Didn't even submit a claim in the past two years. They started out reasonable.
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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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