5
out of 5
POSTED: | BY: Diane
Very simple
Every step is easy and well described as to what is needed.
Read more on Trustpilot
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.
2
out of 5
POSTED: | BY: James Miers
The payoff on my claim is way too slow
The payoff on my claim is way too slow. I was told I would receive my check by the 14th of March, it is now the 18th and no check????
1
out of 5
POSTED: | BY: Nick
Very untrustworthy - they lie and deceive
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.
Response to Embrace(3/24/2023)
I am posting this as a response to embraces comments since I cant respond directly. I just want to clarify that the response by Embrace is intended only to support their interests without any accurate information. I have purchased hygiene products from my vet for my dog's entire life. Whether it was ear cleaning liquid or toothpaste and because of this, they wont cover my dog. They handpick the facts which fit their interest and exclude the others. The dates referred by Embrace's response are hygiene product purchases because I couldn't buy the same products at my local Petco. It's normal upkeep and maintenance just like brushing their teeth and clipping nails. With Embrace's logic, if I continue to clean my dogs ears on a consistent basis then he's not covered, but if I stop and actually let them get infected, then he's covered. What kind of stupid nonsense is this? I am so glad they responded to my complaint because their response shows how fraudulent and incompetent they really are.
5
out of 5
POSTED: | BY: Jazmine Clark
The app is easy to use and to the…
The app is easy to use and to the point. The Embrace team are super helpful as well and helped me with a hiccup I had.
Thank you guys for the help!
5
out of 5
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.