Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Stacy

Does 9 years being a customer mean anything?

I have been a customer of Embrace for 9 years. Not only have my premiums gone up 379% in that time, but when I asked for one exception to file a claim past the submission time I was told no. I was taking care of family and thought for sure after 9 years they would allow just one exception. After being on hold for 38 minutes...the answer was no. I guess loyalty doesn't mean anything at Embrace. Following your response...I am still a current customer (locked in until 8/25) and find it shocking you can't find my account...again disappointing.
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5

out of 5

POSTED: | BY: Ronald Szwec

Embrace representatives were very thoughtful and kind

Embrace representatives were very thoughtful and kind to me when my dog Gus died. Embrace processes claims quickly. I have no issues with Embrace and would recommend to others.
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5

out of 5

POSTED: | BY: Mylissa Malone

I had a very intuitive and pleasant…

I had a very intuitive and pleasant conversation with Johnny about pet insurance. He was very patient and answered all of my questions. It's not everyday that you are buying a policy like this. I hope to continue with this GREAT service in the years to come. Thanks Johnny for being so kind and understanding. I highly recommend Embrace for all of your pet's insurance!
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5

out of 5

POSTED: | BY: Sassygirl

This is my first time having pet insurance.

This is my first time having pet insurance. My experience has been really great. Sending in my invoices for review and payment has been very easy. Payments have been super fast and Embrace keeps me notified to check my app for results. Can’t get any better than that. Exceptional especially that I am not very good at technology. I would absolutely recommend Embrace pet insurance to anyone. Thank you Embrace.
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5

out of 5

POSTED: | BY: Debra

We are very pleased with our refund and…

We are very pleased with our refund and the customer service.
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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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