Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: R Mart

Embrace has been absolutely amazing!

Embrace has been absolutely amazing during this difficult time. My dog was recently diagnosed with AA luxation and it has been extremely costly. They have covered every single thing and it honestly has been hassle free. I would recommend that everyone have pet insurance when owning a dog but especially with Embrace!
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5

out of 5

POSTED: | BY: Jabo

It was easy to submit a claim for Vet…

It was easy to submit a claim for Vet services.
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5

out of 5

POSTED: | BY: Karen S

Great Customer Service

Customer support is quick and efficient. Always friendly and I am so happy I chose to get this insurance for my dogs.
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1

out of 5

POSTED: | BY: Martha L Correa

The worst pet insurance company you can deal with

The worst pet insurance company you can ever find. Be aware, they will not pay your claim and they will simply steal your premiums and when the ptime comes for them to honor their obligations under the policy, first they will take weeks or even months to process the claim and when you ask why is taking such long time they would say the claim still under review. They do that so they can keep charging their premiums for as long as they can because they know at the end when they don’t honor paying the claim, the customer would definitely leave them so they do this strategy to collect as much premiums from you before you leave. This company should be investigated by the the consumer affairs or even by the attorney general for their deceitful practice and defrauding their customers. This is my warning so you don’t get deceived like me.
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4

out of 5

POSTED: | BY: Julia Doane

Concern about Per Se "Pre Existing Condition"

Hello, I was so thankful that I had insurance to cover these charges for my sick fur baby. How ever I am concerned about comments the reviewer had made about my dog vomiting. That the vomiting wasn't covered. That he had to go one year with out vomiting.. Now how am I supposed to know my dog is sick? Being a mother the 1st thing that tipped me off that my child was sick was the throwing up! How can you consider throwing up a PRE EXISTING CONDITION! I find that outrageous. Now that my dog has had diarrhea will that not be covered since it is a PRE EXISTING CONDITION? Its not like my dog is sick all the time but when he gets sick he gets sick! Just like a child. So in my mind throwing up and diarrhea will never be covered.
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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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