Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,737

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: Josue Hinojosa Jr

Scammers do not give them your money!

They denied my claim because they just didn't want to pay out. They said my insurance didn't cover my pet surgery when it says that it does in the policy. Do not give them your business. I believe their good ratings online are paid for.
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5

out of 5

POSTED: | BY: Diane Cooper

Embrace covered the expense from my dog…

Embrace covered the expense from my dog getting hit by a car and breaking her leg. I was so grateful that my dog survived it and then super grateful that I had pet Embrace Pet insurance. They are excellent 👍
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1

out of 5

POSTED: | BY: KNYC

If it were possible to leave minus…

If it were possible to leave minus stars, I would. Claims NEVER processed timely even for very small amounts. They wait the 14 business days to process to then say that an invoice isn't legible or more info is needed from vet. Premiums continue to go higher with poorer coverage. Used to recommend Embrace to everyone. Would never buy a policy from them again. Total scam, terrible service. And I'd love to contact Embrace in response to its response, but I don't have 3 hours to wait on hold which is what happens. Just try speaking to Embrace unless its a sales person! They're fast to pick up calls to buy a policy and then will ignore you once you're paying a fortune for worthless insurance.
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2

out of 5

POSTED: | BY: Derek Amarpreet Whitman

Unless you have an accident, Embrace doesn't cover it

They definitely go out of their way to assess a condition as "pre-existing"; for example, my dog was only recently diagnosed with a slightly enarged heart - they said because he was described as having a heart murmur in the past that the enlarged heart was the result of that. Kind of like saying, "His torn meniscus was caused by his pre-existing condtion of walking."
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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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