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.
5

out of 5

POSTED: | BY: Kenneth

Important people to now when it comes to taken care of your pet

To be honest it’s to early to say but Caitlin was were well informed and had all the answers, I have a friend that has the same insurance and I went with her recommendation to obtain insurance for my Maltese 2 years old pup, she’s very informative and had the prices as well, I was happy to deal with her, it was a pleasure, sincerely ken martin owner of Sampson,Thank you very much.
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5

out of 5

POSTED: | BY: Carole

Embrace is fair

Embrace is fair, fast, friendly! Get it if you dont already have it! We love this insurance!
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1

out of 5

POSTED: | BY: Jodee Martin

Embrace is a total rip off and calls things pre existing conditions that are completely separate issues!

I can’t tell you how horribly disappointed I am in your insurance. My dog had a growth on his head that was completely independent of any other lipomas on his body and they wanted me to do a biopsy of the lipoma to Make sure it wasn’t related to the head growth. Who would do that to a 14.5 year old dog. They just don’t want to cover his medical expenses. Furthermore even though my dog has never had cancer , he has benign lipomas and if he did get a cancerous growth they would call it a pre existing condition related to the benign lipomas which of course it is not. I would tell everyone to not use this pet insurance!! They are in the business of collecting premiums and not covering pet care.
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1

out of 5

POSTED: | BY: Mary

My entire data wipe out — and no help from Embrace.

I have been an Embrace customer for years, but the updated website has completely broken my experience. For the past three months, none of my data has been displayed on the website or the app. I can’t access my pet information, claims, or personal info—literally the only thing visible is my policy number. All of my old pet history is gone, so I can’t even check on past claims or records. I’m paying for a high-premium policy, yet the website and app provide zero functionality. This is incredibly frustrating. I reached out to customer service and tech support multiple times and received no acknowledgment or updates about fixing my data. It’s unacceptable that it’s so easy and fast for Embrace to collect my premium payments, yet three months have gone by with no response and no resolution. I am extremely disappointed and angry with this level of service.
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2

out of 5

POSTED: | BY: Ricardo Aguilar

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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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