Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: 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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5

out of 5

POSTED: | BY: Michele Tucker

Great support

Our shepherd was struck with a terminal illness and Embrace has been wonderful in quickly processing important treatment costs.
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5

out of 5

POSTED: | BY: customer

My first experience filing claims was…

My first experience filing claims was very easy and I was reimbursed within 2 days!
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1

out of 5

POSTED: | BY: Jeanna Wozniak

terrible insurance .

terrible insurance .
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1

out of 5

POSTED: | BY: Farah

Terrible Experience

Terrible Experience – Would Give Zero Stars if I Could! I can’t believe how misleading this company is. The hidden costs are outrageous! They lure you in with seemingly good deals, but then you’re hit with unexpected charges that were never disclosed upfront. It feels like a total scam, and I regret trusting them. Highway robbery at its finest. Do not trust them! Save yourself the headache and go elsewhere.
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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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