Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: lynn

Great customer service

The custom service is excellent. They always have solutions for what ever issues I seem to have. My payment was updated immediately.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sarah Kelly

Super easy in stressful times

Submitting a claim to Embrace is a breeze, especially in times of crisis. Great customer service!
Read more on Trustpilot
3

out of 5

POSTED: | BY: Bill James

I'm glad you can upload information on…

I'm glad you can upload information on line, but the process could be a little more user friendly when doing more then one claim for the same injury. I'm hoping everything when in O.K. Bill & Kael James Cat - Poche
Read more on Trustpilot
1

out of 5

POSTED: | BY: Casey

Scam

Scam. We had an emergency where my dog got bit and only went to the emergency vet once. It was not our local vet, though we submitted all those document too. Weeks after we submitted for the claim and gave them all the documentation from the emergency vet, embrace claimed we were missing documents and could not process the claim. The vet spoke with them and told them it was everything. I emailed all the documents as well… they just wanted to continue to charge me while my claim was “on hold”. I asked for My policy to be canceled which they told me it was but then we got charged again and I had to call multiple times. I’m still waiting to see if they charge me again this month. Customer service is always friendly, but the job never seems to get done. Do not waste your money and protect your pet with an insurance company that will actually follow through.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Nicole A Morales S.

Embrace Pet insurance is garbage dont…

Embrace Pet insurance is garbage dont waste your time and money! I had a 7 month old GR become Ataxic ( he was walking off balance and losing his footing). I took him to the vet, the ER and the neurologist. We figured out he had a potential Neurological event due to maybe an inner ear infection or an immunological condition. Of course when you have an ear infection or swelling you may feel dizzy and even VOMIT if you feel like the room is spinning. Well 3300$ later and EMBRACE refused to help me pay for his Bills because he has had “vomiting” before. I am a healthcare professional. VOMITING is NOT a DIAGNOSIS, ITS A SYMPTOM. Unless you are born with an abnormality YOU DONT JUST VOMIT FOR NO REASON. HIS REASON WAS THAT HE HAD SOMETHING HE HAS NEVER HAD BEFORE, AN EAR INFECTION. Well they grabbed on to him having “vomiting” to tell me they wont cover absolutely anything. As a healthcare Provider for Humans I find it disgusting you would attach yourself to a SYMPTOM to deny coverage to someone that pays you to be there for them.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review