1
out of 5
POSTED: | BY: W L
Worse experience ever
Worse experience ever. Do not use embrace for your pets
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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: Don
Worst pet insurance in the world
Worst pet insurance in the world and I don’t know how many years I paid ridiculous payments of 200 to 230.00 an month and I blame myself for staying with them but it was mostly due to the years of an investment with them. when my dog passed away I sent them the information and they said sorry about your dog and within days they hit my credit card again for a monthly payment and they promised me a refund on the payment for insurance after my dog died. My dog has been passed away for three weeks and they hit my card for another payment and they owe me a separate refund. I have called them twice. I’ve emailed them several times and as of today my refund should be in my account actually a couple days ago, but they are still not there because these people are liars and they’ll hit your card, but they won’t remember to refund the overcharges absolutely never ever ever use this company again. What a garbage company they are and heartless people. Most likely they will respond to this with oh my we’re so sorry and we’re going to fix this right away, but they’ve had weeks to do it and they haven’t done a damn thing. I haven’t blocked their account because they’re supposed to refund me through the card on my account, but I’m probably going to have to block it because they’ll just randomly hit my card for anything.
5
out of 5
POSTED: | BY: Debra Harrington
This was the wisest decision I’ve made…
This was the wisest decision I’ve made as a pet owner. EMBRACE was the insurance company my Veterinarian advised me to purchase. He explained how user friendly they were. How they covered what the policy states, the claims were simple, and the reimbursement was almost instantaneous.
He was 100% correct!
I highly recommend EMBRACE to all pet owners!
1
out of 5
POSTED: | BY: Amanda King
I signed up after I seen no wait period…
I signed up after I seen no wait period online..my dog had what we thought was an infection and was dying.. She ended up having colitis..still an emergency..then was told we didn't qualify cuz it wouldn't start til 2 weeks later and I asked if I could restart claim later and was told no..This was an emergency and unexpected bill that I couldn't afford atm..not something that is typical for me..they told me I signed something in tiny print sating I would have to wait..then why state online there wasn't one
5
out of 5
POSTED: | BY: TOM COSTANZA
Great Experience
Embrace makes it easy to file the claim and I had a check within 2 weeks of the filing.
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 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.