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.
5

out of 5

POSTED: | BY: michael coringrato

Great company with great customer service

Been with these guys for 4 or 5 years. Never any problems. If a refund is not in your account by 2 or 3 days give em a call they will take care of you.
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4

out of 5

POSTED: | BY: Natalie

I have been a customer for 11 years and…

I have been a customer for 11 years and have made 3 claims. Great customer service and timely reimbursements. I know the policy cost would increase yearly, but it is getting to be quite expensive for not using the insurance very much.
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1

out of 5

POSTED: | BY: merle berman

Had to give 1 star to post

Had to give 1 star to post. The WORST customer service ever. Don’t waste your money. They don’t want to pay claims. They actually wanted records from a vet that had been closed from 4 years ago.
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1

out of 5

POSTED: | BY: Samantha Draper

Truly horrible experience

Truly horrible experience. Unexperienced staff. Did not understand information from our vet. *UPDATE nobody from their customer service reached out to us despite what they say below. We canceled our policy
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1

out of 5

POSTED: | BY: Anne Foust

You are literally making it a pain…

You are literally making it a pain hoping people won’t claim. Shame on you. Just a disappointment.
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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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