Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Penelope Peterson

Embrace since 2007…

We have been with Embrace since 2007 and not one single complaint about their service. Outstanding one on one as well as ease of filing claims. Totally trustworthy.
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5

out of 5

POSTED: | BY: Stephanie McJunkin

Great customer service and easy claims…

Great customer service and easy claims filing. Have already recommended Embrace to friends and family.
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3

out of 5

POSTED: | BY: Hal Rothman

Not a bad pet insurance but not great.

Not a bad pet insurance but not great. Every year expect a big increase in your monthly premiums. They seem to be looking to classify whatever you put in for as “ not covered.”
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5

out of 5

POSTED: | BY: Pearl Mayberry

Heidi was amazing, informative and professional.

Our representative was very informative and professional! She was able to handle any questions we had. It gave us a sense of relief and security for our puppy. Several of our family members are secured with Embrance. We recommend them to everyone.
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1

out of 5

POSTED: | BY: NAncy Serena

NO CUSTOMER SERVICE..DOES NOT CARE FOR CUSTOMERS

I have been an Embrace customer for years and every year I am disappointed by the outrageous rate increase. Also I was slightly tardy in submitting a vet bill due to unforeseen mail and email dysfunctions and they would not accept it. Such bad and inconsiderate treatment of a long time customer. I will never recommend Embrace Pet Insurance to anyone else again. They had an opportunity to do the right thing and they chose not to. It was a deliberate and uncaring decision on their part and I am beyond disappointed. I have given them thousands of dollars over 20 years and they wouldn't accept a $200 vet bill because it was late?? OUTRAGEOUS
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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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