Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
1

out of 5

POSTED: | BY: Amaranthe Rae Zinzani

Worse Than Worthless

Worthless. No, worse than worthless. Actively malicious. My beloved ESA (a cat) had mammary cancer prior to my purchase of my Embrace policy. After I purchased the policy, my cat developed salivary gland cancer that is terminal (it has metastasized to the lungs). Despite all evidence to the contrary, including a letter from my cat's oncologist, Embrace judged that my cat's salivary gland cancer was of mammary origin and therefore a preexisting condition, refusing to cover the literal thousands I have to spend per month on my cat's care. The mental gymnastics required to call an obviously novel condition preexisting are nothing short of unbelievable, and obviously motivated by greed. Embrace doesn't care about animals, only about money, and they are willing to ignore the truth to save money. I will be pursuing legal action. They are making an already nightmarish situation--having a terminally ill pet--exponentially worse. If I could give zero stars, I would. DO NOT USE EMBRACE, or be prepared to get your state's department of insurance to intercede on your behalf when they deny your claims for dubious (read: BS) reasons.
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5

out of 5

POSTED: | BY: Ack

Excellent online submission

Easy submission. Online is the way to go. Thank you.
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5

out of 5

POSTED: | BY: Shelly Fagundes

It's so easy to submit claims online…

It's so easy to submit claims online from my account.
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5

out of 5

POSTED: | BY: Jimle Nguyen

I have two dogs and a hairless cat

I have two dogs and a hairless cat. All insured through embrace and it’s honestly easy and I love it !!
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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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