Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: 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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5

out of 5

POSTED: | BY: Elizabeth Mariscal

Coverage confirmation

I called to confirm a coverage for my dogs. Although the message stated it might be a long wait, someone answered almost immediately. She answered my question and even went on to explain how I could get that coverage. She was friendly and knowledgeable.
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1

out of 5

POSTED: | BY: Mitch Bigda

to many request for policy send vets…

to many request for policy send vets contact still wanted another check up if the vets file is not good enough seems like looking for lop holes to not pay in future if needed
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5

out of 5

POSTED: | BY: Rose Wu

Good experience

My experience with Embrace so far was great. Their premium for my older dog is reasonable. The claim process was straightforward and simple, and funds paid out within their promised time. I’d recommend Embrace to pet owners!
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5

out of 5

POSTED: | BY: Josh Parks

never had an issue and the customer…

never had an issue and the customer service is excellent
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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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