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: Edgar Leung

First time experience

This is the first time we process a claim. The process was fast and easy. Embrace notifies us that the first claim might takes longer to process but it was just a few days before the claim was approved (teeth cleaning and one extraction). Shortly after, we had to go back to the vet 4 times for ears infection. All the visit claims were processed timely and we are satisfied with the result. Thank you Embrace helping when we need it the most!!!
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1

out of 5

POSTED: | BY: Lauren Casey

Horrible

Horrible. Stay away from this company at all costs. They actually find ways to get out of paying by stating “pre-existing conditions” for everything. I paid almost $10,000 at emergency vet and was reimbursed NOTHING.
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1

out of 5

POSTED: | BY: Lisa Henshall

Raising rates to excess

Raising rates to excess . Pay for 7 years once you need to use it they raise rates. You can’t get another insurance or everything is preexisting conditions at 7 years old . Terrible I will never use them again for any of my animals . Rate. Not raised a little but excessive beware .
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5

out of 5

POSTED: | BY: Kristen Moody

Good experience with 1st claim

Embrace was pretty good communicating the status to me and quick to reimburse once approved. I thought the filing process was very easy as well.
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1

out of 5

POSTED: | BY: Heike Kraemer

sadly i have to give one star

sadly i have to give one star - otherwise i would give zero. This company has zero customer service. Due to a life changing situation (stroke) we wanted to cancel the policy. they ignored several emails regarding cancellation and refund and continued the policy and now don't even let us cancel the policy - no access now to policy or log in but charged our credit card. The absolute worst experience in an already exhausting life changing situation. awful. the worst experience.
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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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