Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: JEM

ABSOLUTELY THE WORST PET INSURANCE

ABSOLUTELY THE WORST PET INSURANCE. PLEASE STAY AWAY FROM THIS AND INSTEAD SIGN UP FOR SPOT OR LEMONADE, THEY ARE TRULY SO MUCH BETTER THAN THIS SCAM OF AN 'INSURANCE.' THEY ARE WITHOLDING OUR VERY FIRST CLAIM WHICH IS NOT EVEN A SIGNIFICANT AMOUNT AND THEY CLAIM THEY DON'T HAVE THE INVOICE WHICH WE HAVE SENT THREE TIMES. THEY DON'T COMMUNICATE, THEY DON'T UPDATE, NOTHING. ABSOLUTELY HORRIBLE AND FRANKLY THEY SHOULD BE REPORTED TO THE BETTER BUSINESS BUREAU. I SEE ALL THE HORRIBLE REVIEWS AND IT MAKES MY HEART SINK TO THINK THAT WE HAVE BEEN GIVING THEM OUR HARD EARNED MONEY FOR SEVERAL MONTHS AND THEY DO NOTHING. THEY ARE A SCAM.
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5

out of 5

POSTED: | BY: Ken

I could not process a claim due to a…

I could not process a claim due to a malfunction at their web site. The Customer Service rep gave me a quick work-around over the phone. She was very efficient and a pleasure to deal with.
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1

out of 5

POSTED: | BY: Lily

They increased my dogs insurance by 30%…

They increased my dogs insurance by 30% at the yearly renewal. My dog is healthy, YOUNG and I filed ZERO claims with them last year. So many other insurance companies. STAY AWAY
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5

out of 5

POSTED: | BY: Phil Bray

I'm very pleased with Embrace…

I'm very pleased with Embrace Insurance! We just switched over from Nationwide Pet Insurance because of a rate increase and a decrease of protection! Embrace is covering us in full for less money than what we were paying Nationwide before their rate increase!
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4

out of 5

POSTED: | BY: mary hill

Kat was great, being on hold wasn’t

Kat was great but before I got her I was on hold for 25+ minutes listening to your music. I finally gave up and hung up. I waited a few minutes and called back and Kat answered quickly.
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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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