1
out of 5
POSTED: | BY: Aiden
Dont recomment
Dont recommend
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,873
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: Brandon
Will deny claims without reason
A month after I enrolled in Embrace Pet Insurance, my 7 year old cat developed a cough, so I took her into the vet. The vet performed an x-ray and determined my cat had bronchitis and prescribed medication to treat it. They additionally performed blood work as it had been a while since checking her levels. In total, I had two separate vet bills totaling over $400.
I submit two claims to Embrace, one for each invoice, and they were both denied on the reason my cat had a "pre-existing condition". The "condition" was the fact that she vomited 8 months prior to her vet visit (as cats tend to vomit), completely unrelated to the development of bronchitis. This vomit incident was included in the onboarding information Embrace received from my vet. I submit an appeal to the denial and they said after reaching out to my vet, they were declining my appeal. I spoke with my vet, who reported Embrace never reached out to them. They also provided a letter stating the one vomit incident months prior to the appointment had no bearing on the bronchitis diagnosis. My second claim was ALSO denied for the SAME reason. When I appealed it, they simply deleted the claim.
I tried calling Embrace to speak with a human rather than the weeks long email process, but after being on hold for two hours I was disconnected.
Do NOT interact with this company unless you are insuring a newborn pet. They will find any reason to deny your claims. They provided me with zero service after taking my money for months. They also will not allow you change any account information online, it must be done over the phone after you sit on hold for an egregious amount of time.
5
out of 5
POSTED: | BY: Natalia Kulshan
The Embrace provides a good customer-oriented service
The Embrace provides a good customer-oriented service on an easiest way to do. Thanks for being love our pets same as we are!
5
out of 5
POSTED: | BY: suem
Worked well!
Embrace Pet Insurance has worked very well for us so far. We are pleased.
5
out of 5
POSTED: | BY: Gloria M
Clear and informative
First of all finding insurance for your pet is a full time job. So many companies to choose from, but finding the one right for your unique pet and situation takes time. I have to say that Katherine with Embrace was very helpful in giving me information that I needed in order to make the correct choice. She was clear in the information and made no false promises. It was refreshing to just receive the facts and no fluff to make me choose right then. I felt if I needed more time it wasn't a problem.
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.