Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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.
4

out of 5

POSTED: | BY: Ryan Mckenzie

my first experience was pretty good

my first experience was pretty good. My first submission took quite a bit, but I guess this is normal all in all was pretty good service.
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5

out of 5

POSTED: | BY: Kathy Mcmicken

Love this company

Love this company. Ease of claim and fast response.
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1

out of 5

POSTED: | BY: John Johnson

Not no but heck no

Not no, but heck no…It’s a typical insurance scam and they got me. You pay and pay and then when you need it they deny you for a technicality… “ your dog has 4 legs not five it’s not covered”! I do not recommend!
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1

out of 5

POSTED: | BY: Emily S

Doesn’t cover enough for what you pay. Premiums go up by massive amounts even after no claims. Not worth it.

I originally got insurance when a friends dog was in a freak accident requiring an $15,000 surgery. She didn’t have insurance and it took an huge toll on her finances. I decided to set my dogs up for insurance and after comparing companies was able to find awesome coverage for my two dogs that was $85 a month COMBINED. Never once made a claim. Happily paid my premiums. I even sought vet care for a minor emergency and didn’t file a claim because the cost at the vet was under $600 and I didn’t want to raise my premium for a true non emergency. Well my policy was set to renew next month and my premium was going to be raised by $40 a MONTH for my dogs. They won’t let you cancel online or through app so you have to call and sit on hold. The representative I spoke to was very nice and offered some other options to lower my monthly price but the coverage was minimal and the deductible was high. The point of insurance is to cover major emergencies and at the end of the day I just can’t justify $120 a month for two healthy pups when that doesn’t even cover basic wellness exams, prescription costs, exam fees, or preventative care.
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1

out of 5

POSTED: | BY: Carole Knipe

Are not honoring the policy and customer service will not respond!

Just got a policy with Embrace for both my dogs. Sent in my first bill for an exam for one of them and they sent me a message on the app denied. I have emailed them twice via the link on the app asking why and to give me a call to discuss. No response!!! They are not honoring their policy and customer service is non existent!!!! Beware!!
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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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