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.
1

out of 5

POSTED: | BY: Jeanne Shaw

I would give it 0 stars as a new…

I would give it 0 stars as a new customer if I could. Everything went wrong it seemed, all due to Embrace glitches. Hopefully I won't forget not canceling within the first 30 days with all the red flags that came up that I should have. No claims yet so I can't speak to that.
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5

out of 5

POSTED: | BY: Illiam Cintron

Quick claims and payments

Quick claims and payments
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1

out of 5

POSTED: | BY: Jessi J

I contacted the company regarding a claim

I contacted the company regarding existing conditions and was told that anything treated by the vet in my pet's history would be excluded from future insurance claims. I've now learned that this also included any questions I may have asked my vet that did not require treatment, like a bump that was no big deal, did not receive any care other than the vet looking at it and telling me it was possibly a bug bite, but nothing to worry about....just a question I asked at an annual appointment that my vet, who takes good notes, jotted down. This made me feel like the company was a total scam.
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5

out of 5

POSTED: | BY: D. Valle

I got Embrace for all 6 of my kiddos

I got Embrace for all 6 of my kiddos (2 dogs, 4 kitties) and Embrace has been so helpful and communicative with my claims! I had to, sadly, euthanize one of my kitties and they sent me a lovely sympathy card and sent sympathy messages with my claims. I can not recommend Embrace enough!
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1

out of 5

POSTED: | BY: Zach Amodio

Waste of money

Raise the monthly payments from $100 to $160 for 2 dogs. When the time comes to for reimbursement too many hoops to jump through to get the money you’re already paying for monthly. Felt like a total scam and would not recommend.
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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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