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.
2

out of 5

POSTED: | BY: Alxc Segamain

Embrace Provides Poor Service

There have been a few, limited bright spots in the past, but Embrace has lost significant integrity in these last years. Categorizing issues such as Kennel Cough as a pre-existing condition is astounding. It is obvious that Embrace has come to be focused on profit over care. While these types of maneuvers have unfortunately grown common place in this sector, it is disconcerting to see it happen in a once well-run company. I would strongly advise against using Embrace to anyone that is considering its services.
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5

out of 5

POSTED: | BY: Melania Carlsen

Embrace has been a champion for us

Embrace has been a champion for us - they have always been available for us, always professional -and very compassionate :)
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5

out of 5

POSTED: | BY: Barbara

Great service

Great service - “agent” was helpful & informative. Highly recommend Embrace to other per owners❣️
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3

out of 5

POSTED: | BY: Darren

I had an Embrace policy for 12 years

I had an Embrace policy for 12 years, moved to a new state and they wanted to double my premium due to "Market" in my new state. I provided documentation showing that everything for a vet visit was cheaper in the new state than the previous. Not having a footprint in a state (I checked with multiple vets, and none had any experience with Embrace) should not be reason to screw over a long-time policy holder. I canceled my policy after they were unwilling to offer any assistance.
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4

out of 5

POSTED: | BY: Samantha Romero

Transparent

Embrace is the best pet insurance I've experienced. We've had one or two frustrating moments in discovering what is or isn't covered, but the truth is, it's almost always right there in the contract. The only reason I won't give five stars is that we did try to appeal one claim for our now-deceased dog with notes from veterinarians and everything, but were still denied. We still think some portion should have been covered, but we grew too tired to continue to advocate after her death. But we still happily use Embrace for our other three animals.
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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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