Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: J Haskett

Embrace is the best!!!

Unfortunately, my Gus has been a “frequent flyer” of veterinary care. I mainly bought pet insurance for him because I learned that Great Pyrenees are prone to running. Last year, he jumped my 4’ high chain link fence and tore his ACL. (I now have a 6’ cedar fence). He had surgery in January. Embrace was wonderful! They paid 90% of the claim promptly. I can’t possibly express how grateful I am to have insurance coverage through them. They epitomize customer service: superb courtesy, kindness, and communication! I have told many friends and family that they are the best pet insurance that I could have ever asked for. I would not hesitate in the slightest to recommend anyone to sign their furry companion up with them. You won’t regret it!
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5

out of 5

POSTED: | BY: Woodrow P

Ease of use. All online.

Everything is easy to do online. Is there an app? That would be a great addition!
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1

out of 5

POSTED: | BY: Barb

This company is horrible

This company is horrible. The going rate for Embrace cat insurance is $15 - 25. They have the nerve to charge $72/mo. for one kitty! If you cancel, any treatments that they have sporadically paid for will then become pre-existing conditions that the next insurance company does not have to cover! Once there is a condition the pet has, they will refer to that condition and refuse to pay for things like cancer treatment, because there may be a “chance” the kitty’s condition caused the cancer or what ever the symptoms are. This is a legal scam that needs to be addressed, along with the obvious price gouging during a Pandemic. Insurance Commissioner, here I come. This challenge has been ongoing for three years of overpriced premiums and faulty claims copying equipment. Their equipment requires the processors to read blurry documents uploaded to their site unless the customer has the claim info professionally emailed. This costs more money!
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1

out of 5

POSTED: | BY: Bill

Company absolutely is horrible to deal…

Company absolutely is horrible to deal with. It took me months to get contact to submit claim. Worst pet insurance company I have ever dealt with!!!!!! Plus, they have consistently raised rates by double digit percentage points yearly though having never previously filed a claim.
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5

out of 5

POSTED: | BY: brandi cruz

Thanks good service

Easy to upload claims
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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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