Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Cat Lady

A waist of my money

I had this insurance for a whole year. took my two cats to the veterinarian and I paid around $1,000. this insurance returned me under $200. so, I had to pay the insurance for the whole year and also the veterinarian. just a few days ago they made a charge on my credit card of over $1,600, for another year. I called to cancel it and since it was about 4 days after the beginning of the new year period, they charged me $30. I had a horrible experience with them and I wouldn't recommend them at all
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5

out of 5

POSTED: | BY: Tom Melnick

After having initial problems with…

After having initial problems with filing claims, this last claim was handled within a few hours and our reimbursement was within two business days. Good job!
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5

out of 5

POSTED: | BY: Vinnie

5 Stars All Around

Everyone at Embrace is amazing!!! The response time is prompt, the service and ease of claims, etc is unbeatable! Highly recommend and could not be an easier process from start to finish! Thank you!!!
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1

out of 5

POSTED: | BY: Michael Kliegman

They seem to excel at denying claims

I found during my roughly 1 year with Embrace that its claims people consistently go the extra mile to deny claims. With little or no money on the line (within the deductible), they take a sweeping view of what's a preexisting condition. (Because there had been what may have been an allergic itch on a toe, many months later they stated that an infected cut on the face was due to a preexisting skin condition). Tells me all I needed to know about their apparent approach to the business. One good thing: woman I spoke to to cancel the policy was great, didn't try to delay or dissuade me.
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5

out of 5

POSTED: | BY: Joe

As this was my first claim...

As this was my first claim, it did take a little longer but not unreasonable. Very pleased with the outcome.
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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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