Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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: Joseph Bruner

Claim denied on vague terms

Embrace had to stretch very far to avoid paying my claim. The very broad and very vague definition of dermatological conditions was used to prevent paying for cyst removal surgery on my dog. A rash voided a claim for surgery. I ended up paying over $700, and they were not there when I needed them most. I canceled.
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1

out of 5

POSTED: | BY: Janet Gruner

Disappointed with the service

Disappointed with the service. They deny more claims than you realize and customer service is no help at all!! Be careful before signing up!!!
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5

out of 5

POSTED: | BY: Barbara Zwart

The representative was thorough and…

The representative was thorough and explained everything in detail.
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5

out of 5

POSTED: | BY: Patricia

The site was easy to use

The site was easy to use. I wish it had more spaces to clarify or explain the cost of the invoice. I had to do a deduction for the total cost but there were no spots to do so.
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5

out of 5

POSTED: | BY: Gerneice Martin

Good experience

Good experience. Been 9 yrs. Since owning a puppy. Cost weren’t outrageous after the initial visit but we definitely wanted a more cost effective policy for us, and it was actually easy to increase our coverage.
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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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