5
out of 5
POSTED: | BY: Stephanie Marsh
Has been a life saver with my special…
Has been a life saver with my special needs frenchie! Easy claim process
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4.9
out of 5
Number of reviews 20,319
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: Greg Lincoln
Embrace has been better insurance than…
Embrace has been better insurance than some of the policies I have had for myself
1
out of 5
POSTED: | BY: Nicholas Stockton
Untrustworthy company - They intentionally lie and deceive their customers.
My dog was seen at a vet for a possible ear infection on 12/4/2021. He was treated and released. My dog was taken to the vet on 2/18/2023 and I was told he is not covered because there is a 12 month waiting period. The gaps between the 2 vet visits is approximately 15 months which is much longer than the 12 month waiting period. Embrace is saying he wont be eligible for coverage until 2/18/2024.
Also, my dog has a small mass on his chest his whole life which is roughly the size of a dime. This mass has remained the same size his whole life. Embrace rep, told me since we dont have exact explanation of the cause of the mass, my dog is no longer covered for any time of cancer.
In all, avoid Embrace pet insurance at all cost. They lie, they deceive, and they dont uphold their policies. I dont understand how they are still in business.
2
out of 5
POSTED: | BY: Dawn Snodgrass
Can someone recommend pet insurance that is actually good? Its not Embrace.
So Far my experience with Embrace has not been great. We were switching from another insurance provider and so i knew ahead of time to submit my pets entire history so they could get all of that info situated before we needed to make any claims. I was assured this would speed up the process later. Nope, I provided it all, jumped through all of the hoops and they are still dragging their feet with open claims from 6 months ago. Can't say that I would recommend - maybe that will change in the future but so far every interaction with Embrace has been pretty crumby.
Per your response below, no one has responded back to me yet despite you noting that they have.
3
out of 5
POSTED: | BY: Lois Fenner
On hold for 15 minutes
On hold for 15 minutes. Unable to resolve online. Once representative answered phone she had no clue as to why records were requested and unable to locate file.
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.