Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,791

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: Sheila

I have been waiting since January to…

I have been waiting since January to get reimbursed for my veterinary visit. I paid $116 on my pets visit and I have yet to be reimbursed. I have tried to cancel my pet insurance over and over with no results. Keep getting the run around
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5

out of 5

POSTED: | BY: STan

Very pleasant to deal with after being…

Very pleasant to deal with after being a customer for 11 YEARS!
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1

out of 5

POSTED: | BY: Gabrielle Da Silva

Do not get coverage with them

Do not get coverage with them. My cat came home from the shelter with some sneezing I went to the vet and it was all good but that was before the policy period. However a month later he had some cough and there was nothing to do with the first time so embrace decided to rule in their own favor and say that was pre existing and I would have to wait a whole year to claim cough again. Totally stupid company, I do not recommend AT ALL. It’s absolutely ridiculous to claim that any sneeze and cough is now pre existent I would rather pay out of my pocket than pay money for a scam company on top of paying out of pocket bc you will have to do that anyways. I will be more than happy to call on Monday to cancel my policy. Go with spot insurance.
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5

out of 5

POSTED: | BY: Jon Worrall

Chief’s Review

So far Embrace has been excellent. They made it easy to set up and the cost seems reasonable. If I make a claim I will write another review.
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2

out of 5

POSTED: | BY: Marilyn

Money hustler

When talking to agent. She asked if both my dogs had been examined in the last year. I said no. One of them had been neutered the other not. She ignored me and signed them up anyway. Being neutered is not a physical exam. Then after they collected my money, they sent me an email saying they could not get service unless they had been fully examined. She should have been honest. That was a hustle. Refund my money please.
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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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