Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Lily

They increased my dogs insurance by 30%…

They increased my dogs insurance by 30% at the yearly renewal. My dog is healthy, YOUNG and I filed ZERO claims with them last year. So many other insurance companies. STAY AWAY
5

out of 5

POSTED: | BY: Phil Bray

I'm very pleased with Embrace…

I'm very pleased with Embrace Insurance! We just switched over from Nationwide Pet Insurance because of a rate increase and a decrease of protection! Embrace is covering us in full for less money than what we were paying Nationwide before their rate increase!
4

out of 5

POSTED: | BY: mary hill

Kat was great, being on hold wasn’t

Kat was great but before I got her I was on hold for 25+ minutes listening to your music. I finally gave up and hung up. I waited a few minutes and called back and Kat answered quickly.
4

out of 5

POSTED: | BY: WendyT

Unable to file a claim on their website or app for 5 days

When we adopted our cat two years ago, I asked my vets office which pet insurance they recommended. Embrace was highly praised so that's who we chose. Over the last two years I cannot think of one complaint about Embrace. We adopted a dog earlier this week so after her first Wellness visit, I added her to our Embrace policy and paid their premium. I can see all her information on the Embrace website, as well as the app, but their system won't allow me to process the wellness visit for reimbursement. I've tried multiple times a day for 5 days now. I even called Embrace midway through the week (I was on hold for about 30 minutes) for help. They emailed me a claim form which I have filled out and emailed back. That was 2 days ago, and I still haven't heard from them. Like I said, haven't had a problem in the last 2 years but now this. It's frustrating.
5

out of 5

POSTED: | BY: Jess Garip

The best pet insurance I ever had

The best pet insurance I ever had, they were very supportive with my dog for months during my dog illness, payments received on time and according the contract, I never had to call for issues with the coverage, this insurance really care and support you when you need the most

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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