Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Daria

Negative

My experience with this insurance company was negative, unpleasant, costing me approximately $2000 and a waste of time. I will no longer be their customer and will not recommend this company to anyone. I insured my two cats with Embrace 1.5 year ago. As proof of cats health status, I provided a health certificate that was accepted by the company, which I have a confirmation email about. After 1.5 years of paying for the most expensive insurance, we had an insurance claim - one of the cats got an infection, we treated her, the bill was about $800. We applied for compensation, which was denied. The reason given was the health certificate, which was accepted and now rejected. Now they continue to bother me with the fact that I should provide additional information about a detailed examination of the cat, despite the fact that such requirements were not made before. Due to the fact that the insurance company actually took $1600 of regular payments from me, did not pay me compensation of about $500 and continues to make new demands, I closed the insurance policy.
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1

out of 5

POSTED: | BY: Spirit Janie

Way too expensive for almost no coverage

My coverage was going to jump to over $1000 for two healthy, young cats. The claims I made in the past were either denied or covered in insultingly low amounts. I'm just glad I was notified of the increase so I could cancel this already over priced "insurance" company. I agree with the reviewers who say this company is a scam. I regret I was ever sucked into the it. I'm embarrassed I was so naive to trust them just because the were supposed to be associated with my highly respected home owner's policy company. DO NOT USE EMBRACE.
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5

out of 5

POSTED: | BY: BE

Review and payment for my claim was…

Review and payment for my claim was very timely. Great experience!
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5

out of 5

POSTED: | BY: Kirby

Easy and prompt service in claim filing.

Easy and prompt service in claim filing.
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5

out of 5

POSTED: | BY: Suzanah Harris

Claims are quite effortless & not a…

Claims are quite effortless & not a hassle.
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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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