Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: customer

DO NOT GO WITH THIS COMPANY!

This insurance makes it sound like they cover all kinds of things. It is not until AFTER you pay them and go to use the insurance and then submit a claim, do they go back to your pets Vet and ask to see records of any pre-existing conditions. Then they deny your claim and tell you no pre-existing conditions are covered. They should review your pet's pre-existing conditions BEFORE they begin coverage and it should be detailed in writing BEFORE they approve you, what they will not cover. A waste of money!
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1

out of 5

POSTED: | BY: Elias Martinez

Still waiting on payment

Still waiting on payment. Reading other reviews concerns me, not sure if we'll recover any of our expenses. Our dog ate a cold medicine pill containing acetaminophen. That is recognized as an emergency, so much so we were forced to call pet poison health line prior to the emergency vet seeing us. So $2310.00 later, we are still waiting for a decision. ***will edit review if the situation changes .
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1

out of 5

POSTED: | BY: Tracie Dantzler

Denied everything outright

Denied everything outright. I spent way more in premiums than I did in vet bills.
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5

out of 5

POSTED: | BY: Yvette Diaz

Using the Embrace app to upload our…

Using the Embrace app to upload our itemized vet receipts and keep track of the progress is easy and convenient.
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1

out of 5

POSTED: | BY: Allison Hunter

Horrible customer service

I called to cancel my insurance and the representative was beyond rude. I would almost understand if I was hostile or rude to him, but I wasn’t. He asked me a question and when I responded, he called me a liar. I have never been spoken to by a customer service representative in this way. I really hope that the conversation was recorded so you can go back and listen to see how unprofessional he was. Just a horrible experience.
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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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