Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Cindi Mack-Ernsdorff

ALWAYS feel like Embrace does the best…

ALWAYS feel like Embrace does the best job of all other insurance plans!
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1

out of 5

POSTED: | BY: Andy

Sales person not truthful with me

I feel the sales person wasn't forthright when selling me the plan. I am now being denied claims for no reason despite having the proper documentation. When i call they say the person I need to speak with is perpetually out of the office. Until someone can actually help me, this review will stand
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1

out of 5

POSTED: | BY: Carol Peter

Open Your Own Savings Account. Avoid These Crooks.

They will find the flimsiest reasons to deny a claim. And when I moved from Ohio to Colorado, they doubled my premium. At this cost and their crap coverage, it's more reasonable to have a savings account for vet expenses. At least this way, I'M earning the interest, as opposed to these crooks taking my money and not covering what I paid for.
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1

out of 5

POSTED: | BY: Claire

DO NOT get this insurance

DO NOT get this insurance. They cancelled my insurance without notice and no reason. I found I because I called to ask a question.
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1

out of 5

POSTED: | BY: mibu27

This company is terrible

This company is terrible, please don't give them your money. You are better off starting a savings account for emergency pet costs... I signed up 2-3 months ago. Provided all medical history.... well, when I submitted claims for my pup the fun has began... one claim was for a fractured tooth, another one for an emergency vet visit due to allergic reaction. Again, I submitted all records and notes provided by all vet but... that was not enough. They just kept sending me messages requesting more records... which simply didn't exist. So, I found myself in the endless loop of trying to figure out WHAT ELSE CAN I POSSIBLY PROVIDE?!!! I finally gave up (which I guess exactly what this company was trying to do). I ended up canceling my policies. Basically, the way this "insurance" works is you pay and have a piece of mind that you have coverage until you actually need to use it. Then, they will send you on the endless loop of bureaucracy until you give up. I probably could have continued to fight and escalate but life is too short and I don't need this scam company and the negativity the brought my way. Please don't give them your money, they don't give a crap about your pets. Just another greedy fat corporation... ____ Update: Thank you Embrace for your useless canned response! 🤣
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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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