Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Iggy’s Parents

Parents of 2 senior cats.

We have two 15 year old cats covered by Embrace. One of our girls has lymphoma. After the first submission that took about 2 months to process each additional one has been a breeze. The team at Embrace is prompt in their response and extremely kind. If you've got a pet, get insurance and if you get insurance get Embrace. Thankfully, our other girl has no health issues. We're one happy family.
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5

out of 5

POSTED: | BY: MICHAEL

Very easy to file a claim

Very easy to file a claim. Claims are paid promptly with an explanation as to the amount paid and why Would highly recommend them to insure your pet
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2

out of 5

POSTED: | BY: J Howard

***Fraudulent Information***

I was extremely disappointed with Embrace during my renewal and addition of my new pet. After 9 years of being a client I would hope they would stand behind their word. I had an intake call where I received contradictory information and Embrace and their fraudulent practices cost me over $100 in deductible claims. Convenient for them they did not have to cover my pet and honor the information I was given by their representative. They reviewed the call and heard the fraudulent information, but didn't care. Sadly I am stuck with this dishonorable company as I have to many pre existing conditions with my 9 year old dog at this point. If you are shopping for pet insurance, do yourself a favor and go with another company that is honest and stands by the information their representatives provide.
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5

out of 5

POSTED: | BY: GOGO's mom

The claim was processed much more…

The claim was processed much more efficiently than I expected Embrace would do. Thank you so much.
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1

out of 5

POSTED: | BY: D Collins

Buyer beware

In over 2 1/2 years I was reimbursed only $129 for all vet bills. And paid over $2500 in premiums. Raised the premiums every year. Not to mention had to pay thousand of dollars in vet bills. Everything is preexising. My fault for not cancelling sooner. Buyer beware
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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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