Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Crys Geo

Terrible experience

Terrible experience. Scammers. My pet was healthy and as soon as we had the first injury of his entire life, Embrace pet insurance found an excuse for every single issue and called it “pre-existing” when my vet even sent a report stating my pet was healthy and all tests were normal before his injury. Needless to say, I cancelled and will alarm anyone looking for pet insurance to go elsewhere!
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3

out of 5

POSTED: | BY: Ian Ruzal-Bron

Working with Embrace was easy

Working with Embrace was easy, but I realized the check was mailed to the wrong location. I have emailed, called, etc and have not gotten any response in over 2 weeks. It’s a nightmare!
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1

out of 5

POSTED: | BY: Sharon Smith

All Claims Lost

Embrace lost all of the claims that were sent to them by certified mail on 6/11/24. Embrace received them on 6/17/24, according to USPS. However, Embrace cannot find them. Every time I call them, they give me another excuse. Every time I email them, I get more excuses. I absolutely do not recommend this company.
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1

out of 5

POSTED: | BY: Laura

Horrible Customer Service with a high price tag

I have had paid for Embrace Pet Insurance for my dog for years. I have never once filed a claim but the premiums sky rocket every year he gets older once he hit a certain age. I’m talking $70 to $90 per year. I need to talk to them and have been on hold for 25 minutes waiting for someone to answer! On top of that there isn’t even a message saying where you are in the queue so it’s just frustration and anxiety having no idea how much longer you have to wait. Still on hold now. The only chat help is from a ridiculous bot. Horrible customer service with a high price tag. Pathetic
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1

out of 5

POSTED: | BY: Walter Coleman

Very slow pay if ever

Very slow pay. Kept saying they didn’t have paperwork that I had already sent them, sometimes more than once. Rejected clearly legitimate claims. After a year some claims still not resolved. Zero feedback from them. After I filed a claim, my premium nearly doubled for my two dachshunds.
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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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