Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Manny Perez

Embrace Pet Insurance Review

Exceptional pet insurance, they are wonderful and very professional people to deal with. The claim submission process is extremely easy and very intuitive.
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1

out of 5

POSTED: | BY: Jeremy Maschino

Embrace is a Scam

I wasn’t going to review Embrace because I just wanted them out of my life but they’ve sent me three emails asking for a review so here it goes. Wish I could give 0 stars and get the money back I gave them to actually pay for my dogs medical bills. This is just a scam. They dont cover anything and want you to pay them more money just to have a “loan” to pay for preventative care (neuter, shots, etc), that you have to pay them back for over monthly installments. DO NOT USE EMBRACE!!! Edit: their reply makes it simple to find preventative care - but that wasn’t the problem, I had to dig deep into the find print to find that neuters is “preventative”. Don’t use these scammers. They don’t care about customers, they’ll find stuff in fine print. Don’t use these losers.
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1

out of 5

POSTED: | BY: Tony

Filled a small claim for prescription…

Filled a small claim for prescription within the first 3 months and they gave me so many excuses not to approve the claim. Keep your money and stay away from embrace. I could only imagine if my dog was actually injured badly and I had to deal with these people for a claim worth a few thousand. Thankfully I didn’t wait to find out.
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5

out of 5

POSTED: | BY: Johanna

I called customer service to make a…

I called customer service to make a change to my account and it could not have been any easier! Changes were made immediately!! Well done Embrace customer service team!
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5

out of 5

POSTED: | BY: ALI/ATRI

great customer service

great customer service. Easy to file a claim and the responce time was less than a week.
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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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