5
out of 5
POSTED: | BY: Leonard
Seems pretty easy to use
Seems pretty easy to use. The website is simple for submitting claims.
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4.9
out of 5
Number of reviews 19,756
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: HM
Scam
If I could give zero stars, I would. This so-called “pet insurance” company is an absolute joke. They lure you in with promises of peace of mind and coverage for emergencies, but when it actually matters, they do everything in their power to avoid paying.
I recently had to take my pet to the ER for an urgent situation—a visit that was already stressful and expensive. I filed my claim with every single document they requested, thinking I was covered. What did they do? They nitpicked every minor detail to deny the claim only paying $40 after a $900 visit, claiming it didn’t fall under their “coverage criteria.”
It’s absurd. What’s the point of paying outrageous monthly premiums if they won’t even cover a legitimate emergency? They hide behind vague fine print and ridiculous loopholes to dodge responsibility. The process of filing a claim is a nightmare, and the customer service is useless. They don’t care about you, your pet, or the fact that you’re relying on them in a time of need.
This isn’t insurance—it’s a scam. Save yourself the headache and put the money into a savings account for your pet’s medical expenses. You’ll end up paying out of pocket either way, so why bother with these fraudsters?
DO NOT trust them with your pet’s health or your wallet. This company is nothing but a profit-hungry scam operation, preying on pet owners when they’re most vulnerable. Shameful.
1
out of 5
POSTED: | BY: Rob Lee
Wait forever for them to respond only…
Wait forever for them to respond only to telling nothing is covered by we need every vet he's ever seen! And everything is pre existing conditions or not enough info! Don't by any pet insurance I've had 3 different ones all a scam I'm paying 163$ a month for one dog and won't cover!!!!! Don't waist your money on any of them
5
out of 5
POSTED: | BY: Ron Corn
Always professional service and…
Always professional service and telephone and on online - would highly recommend
5
out of 5
POSTED: | BY: Chris
Easy Claims Process
I've been an Embrace customer for almost 15 years. They've consistently paid my claims quickly and efficiently during that time, whether for something small or for larger expenses including ongoing, chronic conditions, prescriptions (a HUGE help!), and dental care. I'm easily able to upload my receipts/invoices on their site in less than 5 minutes, and claims are usually processed within a few days.
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.