Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Jomar

We have been with Embrace Pet Insurance…

We have been with Embrace Pet Insurance for many years and through 5 pets. We have always been happy with their service. I would recommend Embrace to anyone that loves their pets.
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4

out of 5

POSTED: | BY: Sharon Marchetti

Embrace is a trusting and caring pet…

Embrace is a trusting and caring pet insurance. They work with the customer to make situations get resolved. Constructive criticism would be emails answered in a timelier manner. I know they are busy with many customers, and I do understand but they will work with you on any issue.
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1

out of 5

POSTED: | BY: Henry

Don’t even bother

Don’t even bother, if you need to contact them about a claim 2 hour hold times, when you finally get a live person you get very generic answers from support and they will have an adjuster call you back. Never happened only email. If you have a pet that had ever been to the vet for anything more than regular vaccines don’t waste you’re money here they will find a way to blame everything that could happen on a “pre existing condition”
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1

out of 5

POSTED: | BY: Tan

Poor customer service

Poor customer service. Not responsive at all. Not timely in responses. Have to nudge them so many times to finally give responses to claims. Very disappointed thus far. Would definitely go with another company in the future
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1

out of 5

POSTED: | BY: Lorna

High pressure sales

I called to ask questions because I'm trying to decide 2 pet insurance companies. I did not like the high pressure sales tactics that I got from the salesman. He was trying to get me to decide immediately.
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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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