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.
5

out of 5

POSTED: | BY: Estela Otiniano

Quick reimbursement

After my claim was processed, which was the same day I submitted it; I got my reimbursement very quick. I believe everything was processed that same day! Amazing! I am very pleased with Embrace. Thank you!
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5

out of 5

POSTED: | BY: Patti

The web site for claims is amazingly…

The web site for claims is amazingly easy to use and service is fast. Very happy with this company.
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5

out of 5

POSTED: | BY: Tammy Hendrick

Easy to file receipts and very quick…

Easy to file receipts and very quick payment after deductible met. Great customer service. So thankful to have this coverage my dog.
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5

out of 5

POSTED: | BY: Deanne Brouse

I spoke with Dan about my 11 year old…

I spoke with Dan about my 11 year old kitty’s health emergency. He was very supportive and understanding.
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1

out of 5

POSTED: | BY: Kyle Segal

Company scammed me out of $1500 and raises your premiums no matter what

This company is an absolute sham that sells you they have the lowest payments possible but they constantly raise your premiums every chance they get. I never used the premium one time but now Embrace illegal emails you stating that if you don’t acknowledge the email. They will cancel your entire policy. They can’t even bother to make a single phone call to let you know. Instead they illegally raise your premiums through used car dealership tactics stating your premium is going up and they will cancel your premium. This company charged me over $1500 and when you talk to a supervisor so little empathy saying sorry. It’s not their fault. I’ll be taking this up with the BBB and the FTC for these illegal practices. You think this company should be out to help pets instead it’s. Completely money grab. Out of $1500 now because of this scam company. They took the money, never used it and claim they can’t refund. Dollar!
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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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