1
out of 5
POSTED: | BY: Giovanni Sarmiento
Horrible
Horrible
Paid for a year and my claims were never approved
Read more on Trustpilot
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.
2
out of 5
POSTED: | BY: mike
Every time I try and put in a claim…
Every time I try and put in a claim there is an issue. They have to go back and check records form different vets to determine if the claim is worthy of fulfilling. My primary vet is 50 miles away and was closed when my 2 year old Westies stepped on something in the yard and began limping. Went to emergency vet and was taken care, submitted the invoice and the have to go back 3 years and around the world to satisfy this claim after 11 days.
1
out of 5
POSTED: | BY: Joy W
Doubling police is criminal
15 years a customer. Multiple dogs over the years. I would’ve given them a four star if it wasn’t for what they just did. A loyal customer just got informed their policy will double. I can understand an increase but doubling a person’s policy overnight is criminal. Nobody in their right mind could think this is acceptable except for greedy executives that just wanna line their pockets.
1
out of 5
POSTED: | BY: Karla Consalvi
Delay for mailibng
I mailed my claim in, with all the required data, almost a month ago. I called to check on its status and was told that they hadn't posted it yet. It shouldn't have taken more than two or three days tog get there. They are punishing older people for not being as tech savvy as younger folks who are more familiar with this method. Very poor claims handling.
1
out of 5
POSTED: | BY: Angie L
I want to love Embrace…but I don’t.
I want to love Embrace, but the rates at which my pet insurance has increased over the last 6 years makes it an exceptionally poor investment. By all rights, I have had very few (and all rather low-cost) claims, but the annual rate has gone up over $2000 (yes, you read that right). Meanwhile, a quote on a new policy with Embrace would cut the cost by over $800 (with no exclusions / no pre-existing conditions). Yet, they refuse to provide continuity of coverage at the newer member rate. The long and short of it is, you’re penalized for staying with them over a long time, and their customer service, while wonderful, is not worth being taken advantage of as they bank on customer inertia and fear of switching to make $$ on our lovable furballs. Truly unfortunate. Save your $$ and go with another company that will provide comparable (or even better!) coverage at a more reasonable rate.
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.