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.
1

out of 5

POSTED: | BY: Penny

Pre existing- they make everything pre existing

Denied claim not based on test or blood work. Did not request any other lab test before they denied claim. Paid for wellness just to pacify. Will fight to get claim paid. Will contact legal help if not satisfied with appeal decision. Will purchase from another pet insurance company if I get another pet in the future. Rely push survey.
1

out of 5

POSTED: | BY: Grace Smith

Don't believe what you read on their web site

This is the worst insurance company. They do reimburse like they describe on their website. They hunt and hunt and hunt to find a reason to reject a claim (it takes over a month for them to get back to you about the claim). It is very frustrating as I was very upfront with them about pre-existing conditions my cat had (he has gum disease). He got sick about 1-1/2 years into the policy, unable to eat, bad stomach. They rejected the medical bills (which were very large) said it was a pre-existing condition. What a bunch of liars and cheats. I feel stupid for believing all the wonderful reviews on their web site.
5

out of 5

POSTED: | BY: Stacy Nachman

Reliable

See previously sent email
5

out of 5

POSTED: | BY: corinne freaney

we have been "embraced" since 2009

Petunia, my boston terrier, has been plagued by allergies this season. visits to my vet and emergency vet at 1:30 am were covered and paid by Embrace with a short turnaround. She is feeling so much better. I am very very happy to be able to go to the internet portal to check on past and present claims. this is a wonderful feature.
5

out of 5

POSTED: | BY: Michael Shlofmitz

Simply the best

I've tried many pet insurances and have been the happiest with Embrace. They are simply the best!! They have paid on every single claim! Noote expensive vet bills!
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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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