Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Bicar

Very prompt reimbursement and easy claim submittal.

I've had Embrace for a couple years and I filed my first claim last week. The process was simple and the reimbursement showed up in my bank account within 2 days. The process took less than 5 minutes. Very satisfied.
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5

out of 5

POSTED: | BY: Ellie

BEST CUSTOMER SERVICE EVER!

This is the very BEST pet insurance! They cover many aspects of pet health that others do not. Especially these days, their Customer Service is more than EXCELLENT! For that reason alone I am blown away...
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3

out of 5

POSTED: | BY: Carriann Isman

Unfair pre-existing condition policy

I rescued my senior pup so when I applied I get Embrace all of his vet records from the prior 9 years. They saw that in the past my pup had ear infections so they declared this a pre-existing condition. What is terribly unfair about this is that I’m now addressing his ear infections- they were not addressed prior to me rescuing him- and despite the fact that I’m being a great pet owner, Embrace will not pay any claims that say anything about his ears, allergies, etc. Allergies were not a pre-existing condition however they have decided to lump them together. Any reason not to pay a claim.
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1

out of 5

POSTED: | BY: Gary Kawate

Embrace Pet is a money grubbing🤑ripoff!

Embrace Pet is a VERY🚫 BAD choice if you are looking for reputable and reliable pet insurance. My mixed terrier's coverage almost doubled (from $48 to $85@month without notification or a reason for the big increase 🤑I've never filed a claim for my pet over the 2+years that we had a policy with Embrace Pet. They're just another BIG RIPOFF!
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1

out of 5

POSTED: | BY: Dana Thompson

Jan the agent

Jan, your agent, was very slow, hard to understand, and kept asking me to repeat myself. She had no logical way to explain my premium increase, although I've not had any claims paid out. Also, the credit card update was very tedious and took much longer than with other companies.
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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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