Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Need Friends

Absolutely scam!!!!

Absolutely terrible!!!! Paying over $60 for my pet just to be denied every single claim without talking to me or looking into it, just sending a message and reffering to a policy that doesn't apply to all listed conditions/reasons for the visit. And the "pre existing condition" doesn't even apply for his recent visit. This is crazy, my girlfriend is paying half the amount and is getting her pet covered at another insurance comapany. I just canceled with them and will be disputing their claims. What am I paying you for if you don't care about my pet nor help cover anything??? I'm currently in the Airforce serving this country and you're just stealing my hard earned money.
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4

out of 5

POSTED: | BY: Liberty Luz

Giving 4 stars now just for responding…

Giving 4 stars now just for responding on my first claim ! Submitting my second claim and hopefully I will receive a response soon too although the first one is still being reviewed . I know Roxy has $1000 deductible so not expecting to get paid yet.
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5

out of 5

POSTED: | BY: SfcKWH

Impressive excellence

Delivered exactly what I pay for in coverage. Fast and easy claim on the app too. Reimbursed, within a week!
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5

out of 5

POSTED: | BY: Donna R M

Makes Pet Health Care affordable

Embrace is very easy to use. I have been very pleased with the coverage. My dog Lily has access to excellent health care because of Embrace!
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5

out of 5

POSTED: | BY: Pam Backofen

Embrace is awesome

Embrace is awesome! They care, they listen and sincerely care. I’ve been with them for about 6-8 years and will for as long as I have pets.
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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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