Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Albert Sackal

I have been waiting for months for a…

I have been waiting for months for a reimbursement, the other worst insurance company I’ve ever had to deal with
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1

out of 5

POSTED: | BY: Bethlehem Amoah

This was the worst experience from an…

This was the worst experience from an insurance company. Because you guys did not try hard enough to reach the company asked me to reach out that is not my responsibility. And then proceeded to take three months just to give me my return that’s not even a full return for $19. The whole experience is Ridiculous And I will be looking for another insurance
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5

out of 5

POSTED: | BY: Anthony Veloudas

WOW! Great Service for Dirks

WOW!! Great service from Embrace. Everything was efficient, from the website to file Dirk's claims, to the emails keeping us posted on the progress, to the final payment. More insurance companies should function like you all. This was the first medical emergency we've ever had to file with you, and we could not have been more pleased with the outcome.
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5

out of 5

POSTED: | BY: deegiles

I LOVE Embrance Pet Insurance

I LOVE Embrance Pet Insurance. They are ALWAYS so polite and helpful when I call them, plus when I submit a claim, I get my money back quickly. I would NOT be without Pet Insurance and Embrace covers EVERYTHING (wellness and accidents). I could NOT find any Insurance that provides the coverage Embrace gives...believe me I looked long and hard. Embrace is THE BEST!!!
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2

out of 5

POSTED: | BY: Shelby McRae

Claims Process is Lengthy and Unreasonable

My cat had an ultrasound of her heart. Due to her coughing being a pre-existing condition, they wouldn’t cover the costs. However, the ultrasound on her heart was due to her breed, not her cough. The claims process took months. After claim was denied, I canceled policy. I was tired of paying premium cost and being taken around in loops. Not to mention, they excluded dental exams due to claiming that my cat had preexisting dental disease. My cat does not have dental disease. She has a typical amount of plaque. This pet insurance was a scam.
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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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