Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: This Guy

DON'T PAY FOR A YEAR ALL AT ONCE!!!!

My experience with Embrace has been horrible from the start. First, they started a claim the day after I purchased the policy because someone filed the wellness check and orthopedic exam that I submitted the wrong way. And worst of all, I emailed them to follow up on all the documents sent regarding my dogs health. I clearly stated in my email that, if my dog was evaluated with a pre-existing condition, that I was going to cancel my policy. I gave them plenty of time to respond to me and when they didn't, I figured that my dog got the all clear. HELL NO!!!! THEY CONTACTED ME 3 DAYS AFTER THE TIME ALLOWED FOR A FULL REFUND IF CANCELED. I WAS A DAMM FOOL TO PAY FOR A WHOLE YEAR. BECAUSE, NOW THEY ARE TRYING TO KEEP 150.00 FROM MY REFUND. I AM NOT GOING TO ACCEPT THIS. I HAVE SENT SEVERAL EMAILS PRIOR TO THE CUT-OFF DATE AND THEY NEVER RESPONDED. I THINK THEY DO THIS CRAP ON PURPOSE. IT'S VERY UNETHICAL TO RUN A BUSINESS THIS WAY. I HAVE CONTACTED THE BBB TO FILE A FORMAL COMPLAINT. AND HEY EMBRACE.... DO NOT ATTACHED ANY BS COOKIE CUTTER POLICY JARGEN TO MY REVIEW!!!! YOU ALL JUST TALK OUT OF THE SIDE OF YOUR NECK ANYWAYS.
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5

out of 5

POSTED: | BY: Nancy Ray

At a time when I’m grieving the loss of…

At a time when I’m grieving the loss of my cat, Embrace representative was compassionate and caring. She cancelled my policy without trying to sell anything! Thank you Embrace.
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5

out of 5

POSTED: | BY: Khadijah Taylor

Rita was very helpful, listened well & attentive

Good evening, Rita was very helpful & understanding. She knew this was my first time & she walked me through every detail @ also let me look into other plans & call her back. I decided to go with plan, because it covered everything I needed & wanted for my fur babies. I appreciate her honest opinion & her help. Thanks, Rita once again for your help.
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5

out of 5

POSTED: | BY: Carolyn Gaughan

I have never had a problem getting…

I have never had a problem getting anything rectified when I called. Their Associates are very professional friendly and helpful
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5

out of 5

POSTED: | BY: Ronal Morse

Krystal was just super to work with

Krystal was just super to work with. Rare experience in dealing with an insurance company of any ilk...I left the call with the feeling that she actually wanted to help me do what I needed to do, rather than just provide a service.
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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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