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: Rocky the Poodle

Embrace just raised the monthly premium

Embrace just raised the monthly premium on my 3-year old dog by 58%. No explanation provided except babbling about vet prices are rising. Outrageous greed.
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1

out of 5

POSTED: | BY: Giovanni Sarmiento

Horrible

Horrible Paid for a year and my claims were never approved
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2

out of 5

POSTED: | BY: mike

Every time I try and put in a claim…

Every time I try and put in a claim there is an issue. They have to go back and check records form different vets to determine if the claim is worthy of fulfilling. My primary vet is 50 miles away and was closed when my 2 year old Westies stepped on something in the yard and began limping. Went to emergency vet and was taken care, submitted the invoice and the have to go back 3 years and around the world to satisfy this claim after 11 days.
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1

out of 5

POSTED: | BY: Joy W

Doubling police is criminal

15 years a customer. Multiple dogs over the years. I would’ve given them a four star if it wasn’t for what they just did. A loyal customer just got informed their policy will double. I can understand an increase but doubling a person’s policy overnight is criminal. Nobody in their right mind could think this is acceptable except for greedy executives that just wanna line their pockets.
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1

out of 5

POSTED: | BY: Karla Consalvi

Delay for mailibng

I mailed my claim in, with all the required data, almost a month ago. I called to check on its status and was told that they hadn't posted it yet. It shouldn't have taken more than two or three days tog get there. They are punishing older people for not being as tech savvy as younger folks who are more familiar with this method. Very poor claims handling.
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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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