Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Susan Akin

Customer service dedicated, worth the money.

So happy that I found this insurance. The people that have worked with me since I enrolled have been nothing but amazing! Responded to my emails within 24 hours or less, validated my frustrations, and did everything they could to help me. If nothing else I feel better knowing that I have them looking out for my dog. Even though my claim was to early to get money back, my customer service rep got me 50+ dollars back almost immediately because of my wellness rewards. Enough said :)
5

out of 5

POSTED: | BY: Jan Miller

Embrace is the best pet insurance

Embrace has handled every claim that I've had with no problems. You can customize your plan to make your premiums higher or lower depending on what you choose and you can choose any vet that you want. I highly recommend Embrace.
1

out of 5

POSTED: | BY: LAVON BLISSETT

DEDUCTIBLE TOO HIGH!!!

TOOK TOO LONG TO RESPOND TO MY CLAIM
4

out of 5

POSTED: | BY: Debbie

Timely reimbersments

I have been with Embrace for a year and a half and so far have been pleased.
1

out of 5

POSTED: | BY: Bruce Stone

A complete Lie and Mostly a FRAUD

We have now been EMBRACE customers for about 180 days--and I must say I find them to have misrepresented the quality of their service and to have little or no regard for their clients or their client's pets--but only in their profits.We started as monthly auto bill specifically to see how they would do--in my view they fail in their claims handling processes--where they threatened not to honor our legitimate claim if the VETS OFFICE--over who we have no control--did not give them a special history within a very short period of 10 days. I find that approach to be EXACTLY THE OPPOSITE of the type of service they have represented--and so we will be discontinuing our coverage and instead putting the monthly amount into a savings account for our pet--where I can make the decisions whether her treatments are justified--not some petty bureaucrat at this lying firm.

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.

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