Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Mark P

SCAM! They changed waiting period.

Embraced arbitrarily changed the waiting period from 14 days to 30 days to avoid paying claims. What a SCAM! Reply to Embrace: My pet had a checkup with good health 55 days prior to the visit that Embraced denied. There is no pre-existing condition. DO NOT DO BUSINESS WITH EMBRACE!!!!
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5

out of 5

POSTED: | BY: Peg Neuhauser

Embrace has great service

Embrace has great service. Fast and very helpful. It’s very impressive every time.
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2

out of 5

POSTED: | BY: henry laessig

I submitted my claim over a month ago

I submitted my claim o er a month ago. You emailed me that you would get my pet's SOAP from my pet's primary care vet. For unknown reason that failed. My claim was placed on hold. I then got the SOAP and uploaded and emailed it to you within 10 minutes. Two Weeks later myclaim is still shown as on hold. Please process my claim. Please communicate with me.
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5

out of 5

POSTED: | BY: Jason

Good customer service and answered…

Good customer service and answered questions as I need it.
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1

out of 5

POSTED: | BY: cynthia fraley

If I could give negative stars I would

If I could give negative stars I would. I had numerous calls with my salesperson, with assurances that every service I anticipated would be covered. He sent me cute pics of his adopted pup blah blah. We submitted at least 20 claims every one of them was denied. Vaccines, spaying, routine check ups. I reached out to him by email and calls and never got a reply. I made a separate call to cancel the policy and just discovered it was never canceled!!!! CRIMINALS. What a scam!!!!
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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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