Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Jennifer Vogel DeVerney

Submitting a claim online was very easy…

Submitting a claim online was very easy and hopefully getting reimbursed will be the same.
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1

out of 5

POSTED: | BY: Glenda Weygant

Negative stars! Buyer beware!!!

If I could give it, negative stars, I would. Worst experience I’ve ever had in my life. Buyer beware!!!! This has gone on for so many months now that I’ve asked for numerous updates and there still has been no payout to a Gastro International issue. It’s been months now!! I’m going to write a review in every dog breed group I am in and Google, yelp everywhere for people to be aware this is how you treat your clients. Absolute worst experience ever and I’m never signing up again. Horrible!! People need to know how they’re going to be treated. I wish someone would have told me. Pay me the money you owe me already. This has been such a scam!!
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5

out of 5

POSTED: | BY: Katherine

Even if I make a mistake they are so…

Even if I make a mistake they are so kind and helpful.
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1

out of 5

POSTED: | BY: Peter Howard

My pet died over 6 months ago

My pet died 6 months ago. Embrace refuses to terminate his policy, and continues to collect premiums each month. Serious problem! Update: Embrace has posted here that they resolved the problem, but in fact they debited my account for March, and have not credited back the over $500 in mistaken and unresolved auto-debits since last August!
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5

out of 5

POSTED: | BY: Anna

Embrace Pet Insurance is absolutely a…

Embrace Pet Insurance is absolutely a life saver. We have had the top line policy for out kitty for years, and I can't say enough good things about the claims process. We've never had any trouble getting reimbursed what we are due under our policy. The claims process is super quick and easy, with all of it being done with an online portal where you upload your itemized vet bill. And the few times I've had to talk to a customer service representative, they've been abundantly friendly and helpful. I have recommended Embrace to several friends, and they've also been incredibly happy and grateful for the coverage.
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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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