Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,775

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: Sery Cybulski

If I could give Embrace ZERO stars

If I could give Embrace ZERO stars, I would. The Claims Adjusters and the Company as a whole does not read nor understand the policy language. They simply seek to copy-and-paste, and deny paying customers VALID claims. For instance, when my puppy hit a birdhouse, Embrace refused payment stating this was an "illness." Any reasonable person without training at this Company could figure out this was an "accident." I abhor this Company and if I could actually get someone on the phone I would have cancelled my policy MONTHS ago. WORST. INSURER. OF. ALL. TIME.
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5

out of 5

POSTED: | BY: HT

Service is helpful and hassle-free…

Service is helpful and hassle-free during emotionally challenging times.
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5

out of 5

POSTED: | BY: Pamela Tibbetts

I was so pleasantly surprised on how…

I was so pleasantly surprised on how everything worked out for us. Having the insurance has been a blessing.
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2

out of 5

POSTED: | BY: John Falconer

don't expect much and you won't be disappoited

It's a big inpmrsonal company. A business! That means it just hides behind layers of bs. A recent claim for $1100 give or take due to a heart condition got us a refund of approx. $59. What? No explanation of course. And if you call to question the annual increasing premium you are laughed at with the comment 'our rates go up EVERY year'. So, we're going to kiss this outfit goodby.
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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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