Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Cara Larnkjaer gillespie

Every time I call and need help with…

Every time I call and need help with something or changing something everyone it is so kind understanding professional and very willing to help. Best pet insurance I've ever had
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5

out of 5

POSTED: | BY: Jace Stowe

I now have my 3rd German Shepherd with…

I now have my 3rd German Shepherd with Embrace. I only have it in place for major issues that may arise. These guys have been great with the claims I have filed. Highly recommend. This is the first review I have ever done for any company.
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1

out of 5

POSTED: | BY: Joseph S

Flase evaluations with medical reviews

Flase evaluations with medical reviews, they exclude things fron being covered because of diarrhea, skin conditions, etc. Embrace needs to understand that I treat my dogs like they were my kids. If my dogs are even a little sick, i take them to the vet. Little did I know that taking the dogs to the vet would ultimately get then excluded from certain coverage. I would always rather be safe than sorry when it comes to my dogs and that's why I have insurance. Now they want to exclude many things because one-time or another I concerned about things. I ultimately have decided embrace is not a good company and switched to another insurance company that understood the importance of caring for my dogs. You should not get penalized for caring about your dogs
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1

out of 5

POSTED: | BY: Dee

They have terrible customer service

They have terrible customer service - they ask me to send the receipt numerous times for something I buy monthly for my pet’s medication. It’s so frustrating dealing with people who clearly don’t care. Can’t wait to cancel my plan next year - I’m not dealing with this anymore.
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5

out of 5

POSTED: | BY: Andrea Morales

Top rate customer service always.

Top rate customer service always.
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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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