Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Michael

Orthopedic Report

I'd never recommend Embrace to anybody at this point. Signed up to cover my dog in January and had the vet fill out the orthopedic report. Even though the vet specifically didn't check any condition and said he was perfectly healthy, the rate adjustor assigned to me added a pre-existing condition to my coverage. After contacting the appeals team and having my vet once again confirm no pre-existing conditions for my dog, my appeal was denied. Promptly cancelled my coverage. If this is how they treat you at the beginning of a plan, I'd rather pay more somewhere else.
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1

out of 5

POSTED: | BY: Russell Bigworm Ludwig

AVOID THIS COMPANY!!!!!!

This company says they provide coverage for your pet and then you start submitting claims and they deny the claims. Worst pet insurance out there. I've had better experiences at used car lots!
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3

out of 5

POSTED: | BY: Meechelle Reha

I have mixed feelings about this pet…

I have mixed feelings about this pet insurance company, they went from being $45 to have both my cat & dog insured with illness/accident & wellness that was 3 years ago now, they are charged & I'm "forced" into paying $86 & they removed my cat off because of her age of 18!! I have limited income & $86 for pet insurance has gotten way to exspensive & they said next year & every year after that it will be more $$!! Ive shopped around & for the same coverage & her age i way quoted at $46, he'll yeah I want that price & I don't understand why one company cane change so different for the same thing, so I'm considering hard of changing for embrace to a different cheaper gas!!
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4

out of 5

POSTED: | BY: JONATHAN LEE

Representatives was patient and…

Representatives was patient and clarifies my questions and concerns about insurance policies.
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5

out of 5

POSTED: | BY: Renee Gentry

Embrace Pet Insurance is AWESOME

Embrace Pet Insurance is AWESOME. Totally. They're kind and understanding when a problem arises.
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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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