Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Joe

Able to get very good coverage at a…

Able to get very good coverage at a reasonable price for even my 10 year old cat. The process of getting the pet approved can take up to 2 weeks so best to get their vet services information ( all vets for past 12 months) together before applying. USAA members get a discount.
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1

out of 5

POSTED: | BY: LeighAnn Woodruff

Waste of money

I have been paying this for over 6 months and my dog needed surgery a couple of months ago for a tumor the vet JUST found. They are saying it is pre-existing, but she has NEVER been diagnosed with a tumor before!!! I paid for the best plan they had to prevent this kind of thing. I am livid! I would NEVER recommend them to anyone! Waste of money!
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1

out of 5

POSTED: | BY: Paul Carlucci

Can't payout if they say it's preexisting....

When searching for a company I noticed the number one complaint against this company on trust pilot is they deem everything a pre-existing condition. Luckily for me when I got in, I submitted a clean bill of health from the vet for my pet. Don't worry, they deemed the first problem she's ever had a pre-existing condition. Frustrated, I let it go. Now there's been two claims since. One was deemed a pre-existing condition and the other was developed from it. Good job of dodging what you claim you do.
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5

out of 5

POSTED: | BY: Nelly M. Cristobal

Great customer service!

Great customer service!
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2

out of 5

POSTED: | BY: Tim Hicks

Very disappointed with purchasing this…

Very disappointed with purchasing this pet insurance. Was not informed of the additional cost until my brother paid the initial premium. Then learned that there are going to be consequences if he does not get more vet exams! Very bad business practices on Embrace pet Insurance. Should have disclosed that information up front. We are seriously considering alternatives!
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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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