Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Sandra Hernandez

This is a great insurance for your…

This is a great insurance for your puppies for your dogs your elderly dogs . I've had the insurance forever
1

out of 5

POSTED: | BY: Dragonangel

They're happy to take your money.

I only had them for 2 months. My dog got sick and of course he's been sick before so they weaseled their way out of helping me with the vet bills. I've given them all the documents from the vet stating he's that there were 2 different illnesses. The one I claimed and another one which lead me to get insurance. Well, they see it as all the same problem and denied my claim which was a month later. Then they say that he can't be sick for a year before they cover him. Would you get medical insurance if you had to wait a year to use it? Waste of money. EDIT: I'm not claiming the pre-existing condition. I claimed for a different illness that developed after I was "covered" it was a month apart from what I'm claiming. But I was still denied.
5

out of 5

POSTED: | BY: Dorothy Lala

They are very quick to pay my claims…

They are very quick to pay my claims been with them for 5 years and have had no problems in paying the claims would highly recommend
1

out of 5

POSTED: | BY: Joy Katherine

Worst pet insurance ever

Worst pet insurance ever. Hardly worth it. They didn't cover my dog's neuter under the regular pet insurance but under another benefit of wellness. Everything was covered under wellness, an additional add-on benefit. I ended up paying them $90 a month and then wellness was tapped out on regular things like shots before my dog's neuter came up. I ended up cancelling with them after the neuter and they sent me a bill for the rest of the year... for the next 6 months of wellness. They sent me an email saying I could pay in one large lump sum or they would send me to collections. They sent me this on a holiday. I cancelled a little after Christmas. Here it is, almost two weeks later and they jump the gun to send a notice out like this. I have never been sent to collections or received a threat like this. It is unethical for them to cancel and not tell me they would be charging me for the next 6 months. To send out a threatening email like this, two weeks later, lets me know what kind of company they are.
5

out of 5

POSTED: | BY: Nancy B

GREAT

Embrace Ins is the best one to get,Embracers work hard to get all your ⁵problems solved,all Embraces are great,knowledgeable, understanding,and resloves the pronlem with your claim.

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 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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