Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: Melvin Crandall

They make the insurance claims easy…

They make the insurance claims easy with fast reimbursements. I really like this company!
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5

out of 5

POSTED: | BY: Timothy Burnett

Every claim has been next day every…

Every claim has been next day every issue I’ve had has been resolved the same day so I definitely recommend this Insurance. It’s reasonable and the customer care is great as well.
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5

out of 5

POSTED: | BY: Ronald Greene

Outstanding service!!!!

Outstanding service!!!!
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5

out of 5

POSTED: | BY: Howard Bernstein

Awesome Pet Insurance

I’ve been with several pet insurance companies over the years and Embrace is by far the best and has continually exceeded my . They cover what should be covered and amazingly quickly. I’ve been totally impressed. I’d give them 10 stars if I could.
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1

out of 5

POSTED: | BY: Menachem Hornbacher

Delay, Deny, Defraud

My pet was bitten, which is officially covered by their accident policy. However when it actually came time to file a claim 1. They claimed that they needed a full medical history. Then confirmed the received it on March 31st 2. Once they got it they claimed that they need 30 business days to review. It took 3 calls until they admitted that this policy is fabricated and would "escalate the review" 3. They then came back and claimed claimed, 5 days later that they didn't get it and refused all further contact. And their website magically broke with 504 errors after that indefinitely. 4. They then cancelled the policy out of the blue without any authorization rather than pay the claim on May 4th. In order to get anything from them you need to file a lawsuit.
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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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