5
out of 5
POSTED: | BY: Heydi
It has been great using the insurance
It has been great using the insurance, they work fast and everything flows well
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4.9
out of 5
Number of reviews 19,755
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: John
Same old same old
Same old same old as any other insurance company. Every angle is covered to get out of paying claims. The typical denial of payment because of some irrelevant information that they are missing, inaccurately attributed unrelated new health issues to pre-existing conditions, inordinate delays in response after placing claims on hold because of “review” process. Be prepared to pay out premiums in addition to having to pay for vet services out of your own pocket. Completely taking advantage of owners’ love of their pets.
5
out of 5
POSTED: | BY: Mary Frost
Quick reimbursement and covers…
Quick reimbursement and covers alternate therapy for my dogs arthritis. Love embrace
1
out of 5
POSTED: | BY: Joe Goodhue
Please STAY AWAY FROM EMBRACE
Please STAY AWAY FROM EMBRACE. I would not recommend them to my worse enemy. They prey on people who love their pets, then do everything in their power to weasel their way out of coverage. DO NOT TRUST THESES PEOPLE!!
1. They dig into the smallest "preexisting condition" not to cover your pets. In this case they blamed a self inflicted scratched eye from a dry eye in 2022. Once my opthamologist was able to prove thats its not from dry eye, they want additional proof from my primary doctor. They then blamed a scratched eye from cataract.
2. They pride themselves as "24/7 Pet Health Line Through Pawsupport" that's a LIE. You can't reach them outside of their business hours.
3. Increased my monthly coverage by more than 50% without telling me. You can't find the billing statement unless you call to enquire or check your bank account.
4. It's hard to send them additional proof through the portal if you'd like to dispute their decision. You'd have to call and ask for an email.
These people are pure evil and unethical, they DO NOT CARE about you or your animal. Please, do not make the same mistakes I did. THIS BUSINESS IS A SCAM!
5
out of 5
POSTED: | BY: Richard Mayer
2 years service…
Had Embrace for 2 years and my pets are healthy. Very responsive and easy to use. May seem expensive but like any other insurance, you hope to never have to use it!
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.