Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,789

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.
5

out of 5

POSTED: | BY: Wanda Manring

I have only used the wellness portion…

I have only used the wellness portion of my policy on Bandit. Once I upload the invoice, it is usually paid within a few days. I hope I never have to use the actual medical poilcy.
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1

out of 5

POSTED: | BY: Eris

Worst pet insurance ever

Worst pet insurance ever. Customer service non existent. Nobody answer phone or emails. Never paid any claims for me. Scam
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5

out of 5

POSTED: | BY: Suzanna Sterling

Dependable dog insurance

Submitting a claim is very easy with their online portal. Embrace is quick to review claim and process. 90% of the paid invoice is deposited into my checking account typically within a few days. I can trust this company.
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1

out of 5

POSTED: | BY: Be happy everyday开心果

Don’t buy

Don’t buy, cheating. Embrace Would find out all the excuses they could find in order to not paying your claims.
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4

out of 5

POSTED: | BY: Lynda Pejic

Pet Medical Insurance is no different…

Pet Medical Insurance is no different from human medical insurance. I hate that they treat animals the same as humans: will not cover pre-existing medical issues. The cat was born with a heart defect - NOT covered. Sometimes I feel like Henry Masuka [Toronto CA], a similar situation as in "John Q." starring Denzel Washington. But for emergency issues such at injury Embrace covered a small portion. I have on more than one occasion requested increased ER coverage but have been met with MUCH resistance on Embrace Pet Insurance part. But I will keep pushing THEM!
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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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