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: Dawn fleming

Horrible experience

Never received money from them and had to go through a ridiculous amount of trouble just to try and get the money they owed me. Still haven’t received it!
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5

out of 5

POSTED: | BY: Kenneth Ellis

This is our third year with Embrace

This is our third year with Embrace. The web site is so easy to use and claims are always resolved with one to two days. Your reimbursements are back in your bank account quickly. They are dedicated to taking care of your pets. I messed up one claim by using the wrong year and instead of just declining my claim they saw my mistake and fixed it themselves let me know where my mistake was and continued to resolve and reimburse me for my claim. They are all friendly, outstanding representatives who are truly there to help you take care of your pets.
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5

out of 5

POSTED: | BY: Analyssia Pacheco

Embrace has always been very good to me…

Embrace has always been very good to me and my pet. They are very helpful and response quickly when I have a question about coverage. They also process my claims in a responsible time.
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1

out of 5

POSTED: | BY: Liss Chapman

Look anyway else but embrace!! Horrible!

Was denied as I was told a tumor is the same as dry skin/allergies. I was informed Danielle was the tech who reviewed my request and she would call me within 48 hours. That was Wednesday 12/17 and it’s now Saturday 12/20 with no update. My vet sent over all the previous docs, notes & recommendations she still no update. I should have listened to my vet when they told me to look at a different company for insurance as they’ve heard horrible stories with previous clients!
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1

out of 5

POSTED: | BY: Claire Winslow

Embrace pet insurance is not worth the $!

Embrace pet insurance will try to not pay claims. My dog had burs from his morning walk and I took him to the vet because he was trying cough it up. Embrace has now decided my 3 year old pup will not be covered due to his coughing. I wonder if the people at embrace ate some burs if they might cough? This is ridiculous on every level. DO NOT WASTE YOUR $!!
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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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