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.
5

out of 5

POSTED: | BY: Sharon Caldwell

Quick returns on your claims

Quick returns on your claims, friendly professional staff ! They answer all your questions and give you the best advice!
1

out of 5

POSTED: | BY: Damian Scott

Shameful service—avoid this company!

Over a year ago, we rescued a sick 6-week-old puppy. Thanks to excellent veterinary care, he was nursed back to 100% health, clearing all infections and testing completely negative across the board. A year later, we signed up for Embrace Insurance through a recommendation from a veteran service. After a recent move, we submitted three routine claims (for allergies and an upset stomach). What followed was months of abysmal customer service. They dragged us through incompetent procedures, constantly blaming delays on "IT issues," only to ultimately deny every single claim. Taking advantage of veterans and pet owners who just want to care for their animals is shameful. Save yourself the headache and avoid this company.
1

out of 5

POSTED: | BY: Magdalena

Take for ever to resolve a case i still…

Take for ever to resolve a case i still waiting for mine after 2 monts
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
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.

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 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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