Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Shannon Smith

THIS COMPANY IS A SCAM!!

THIS COMPANY IS A SCAM!!! I'd give zero stars if I could. Everything about it! The policies are completely useless; there are so many "fine print" items that are not covered and they are looking for any reason to not have to pay. I spent $792.24 over a period of 3 months + vet bills and they reimbursed $395.38, majority of that I had to fight. Mind you, I was paying for 90% reimbursement! That's a difference of $396.86 and I get a whole $20.00 in prorated funds to cancel the policies. The representative and supervisor refused to work with me on fair compensation. I could go on and on about how awful this experience has been but it would take me a very long time! I highly discourage anyone from signing up!
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5

out of 5

POSTED: | BY: Edward Doton

Ease of use/easily navigable interface.

Ease of use/easily navigable interface.
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5

out of 5

POSTED: | BY: Triumphant Traveller

Embrace Holds Integrity High!

Embrace has held its integrity high through the years, tried and true ethically and with as the best pet insurance company in my opinion. I still feel they are number one and would never use anyone else!
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1

out of 5

POSTED: | BY: Ryan Harris

Everything is a prior condition

Everything is a prior condition. It’s a joke. I would be surprised if they paid for anything.
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5

out of 5

POSTED: | BY: Asia Love

I have not once been dissatisfied with…

I have not once been dissatisfied with the decision to switch to Embrace from Trupanion.
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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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