5
out of 5
POSTED: | BY: Christine B
Great Response Time
Great Response Time. No issues with claims and easy to submit.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,744
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: Andrea Rueda Live
Horrible and greedy company
Horrible company and greedy. I recommend healthy paws insurance for your dog. I started my policy with embrace for around $315 and it just went up to $1200 for a healthy dog. My second dog is the same breed and same age and even more health problems; her policy has been the same premium for over six years.
TO YOUR REPLY EMBRACE:
No you do not understand my concern, because I guarantee you, you are not paying a ridiculous amount of premium for your dog from $300 to $1,200.
Your calculated and copy paste response does not change my experienced based observation that Embrace is a HORRIBLE AND GREEDY COMPANY.
Your team on the phone and the team handling bad reviews are trained to say the same cookie-cutter response just to mask the fact that you guys just take advantage of your customers.
You raise the price based on the pets age?? (That is not what other pet insurance are doing) Tenure of the policy? (so the longer I have my policy instead of being treated as a valued customer I get punished? since I've had my policy for over 7 years) High risk?? (how about you give us a discount for my dog being perfectly healthy so far)
"Actuarial fluctuations" just more jargon nonsense, the only thing fluctuating is your CEO typing more zeros to everyone's premium as they feel like it.
You should do some research on your competitors. I have two dogs, same breed and same age, HEALTHY PAWS is my other insurance and they HAVE NOT changed my premium that signifinatly, and my other dog has had even more veterinary bills and more health problems.
I opned this insurance with you guys when my dog was a puppy, I trusted you guys, but now we feel completely taken advantage of, and this is NOT OK.
What you guys are doing is a complete disrespect, inmoral and perfectly depicts the disgusting health and humanithy system we have going on in this country. Just big companies getting richer from hard working people's pocket with zero regards.
4
out of 5
POSTED: | BY: Tina Kennimer
While I love our insurance and have…
While I love our insurance and have been with them for years, I am highly disappointed in the ability to contact someone in customer service whether it is on the phone or through chat. Always "No one available". I am tired of that. This is the exact reason I dropped my other insurance company. And I have 3 policies with this company on all my dogs.
1
out of 5
POSTED: | BY: Jamie Applegarth
Monthly premium doubled
Embrace was great for the first year. However we just got our annual renewal and our rates DOUBLED. We went from $121 a month to $242 a month. When we called to find out why we were told it was due to inflation. We expected some increase but to double seems insane.
5
out of 5
POSTED: | BY: Amy Goodman
So far so good!
Embrace has very knowledgeable and caring representatives and signing up was very easy. Also good prices for great coverage. I haven’t needed to file a claim yet, but so far my experience has been very positive.
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 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.