Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: mary

They make submitting a claim very easy

They make submitting a claim very easy, the cover almost everything. Our pet has had some illnesses and they have been great with helping cover the costs. I would highly recommend them!
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5

out of 5

POSTED: | BY: Scott Mowry

When I filed my claim they handled…

When I filed my claim they handled everything along the way! It made my life a lot easier.
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1

out of 5

POSTED: | BY: Kayla Slicker

Just like the other 1 star reviews say-…

Just like the other 1 star reviews say- they are prone to handing out preexisting conditions like candy. Literally any vet note they can find that isn't from a routine vaccination they will twist into being related to some sort of prexisting illness that the animal does not have. Also, as others have stated, communication is lacking and when you try to cancel they keep prying about why and try to get you to stay on by saying that an adjuster will call to talk to you and it doesn't happen. A great scam to collect money and not pay out.. I'll stick to care credit and credit cards in case of emergencies...
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1

out of 5

POSTED: | BY: Irritated Customer

Bad Service

I have been with this pet insurance company for six years without any issues. However, when I signed up for coverage for my second dog, it turned into a nightmare. One representative repeatedly asked me for documentation that I didn't have because my dog was a rescue. My vet provided all the necessary documentation from the beginning, including SOAP notes, but they still claimed that they didn't have what they needed. By this time, I had been paying into the policy for 16 months, only to find out that the first two months of the new policy did not count. I was told that the two months I paid for were just a place marker - which was very frustrating. After numerous back-and-forth communications, I finally asked them to cancel the policy. Then, they apologized for the confusion but insisted on checking for further records despite my repeated statements through emails and phone calls. I would not recommend trusting this company. The hassle is not worth it. In the end, I switched to Spot pet insurance.
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5

out of 5

POSTED: | BY: Jomar

We have been with Embrace Pet Insurance…

We have been with Embrace Pet Insurance for many years and through 5 pets. We have always been happy with their service. I would recommend Embrace to anyone that loves their pets.
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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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