5
out of 5
POSTED: | BY: Bran OBrien
Easy to submit claim on line
Easy to submit claim on line. And quick settlement of claim. Thank you.
Read more on Trustpilot
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.
1
out of 5
POSTED: | BY: D SINGER
EMBRACE PET INSURANCE GOUGES THEIR CLIENTS NOW.
I have recommended Embrace Pet Insurance because I've been with them since about 2007 happily, but in the last 2 years they keep making massive increases in our premium, but today I received my new premium amount for May - April 2024-25 and they uprated me for ONE MASTIFF an additional $90.47 per month or $1085.64 for the year! I am now going to be paying $259.17 or $3,110.04 for the year IF I stay with them and do not decide to self-insure at this point. This is outrageous! Bastian just turned 7. I cannot believe this and wanted to warn you all against going with Embrace unless you first check out and compare all the A rated companies to see if you can find a better premium. This pretty much ensures we will no longer be able to afford our beloved Mastiffs any more as we go into retirement in a few years. AGAIN - INCREASES IN PREMIUMS THIS HIGH ARE SIMPLE PRICE GOUGING. NOTHING THEY SAY IS THE TRUTH IF THEY RESPOND BECAUSE THERE WAS ZERO REASON FOR THIS LARGE OF AN INCREASE. WHATEVER THEY SAY IS NOT TRUE.
UPDATE: Embrace's response on other reviews is BS.....because I was only paying $217 for TWO ENGLISH MASTIFFS or approx $108 per dog in 2021 & NOW THEY RAISED THE PREMIUM THIS YEAR TO $259.17 FOR ONE DOG. I have reported them to the AG's office, NBC Consumer reporting, to every single review I can find and will post this information daily on Social Media & with all the many dog rescue & breeders I am friends with on Facebook. PEOPLE NEED TO KNOW WHAT THEY ARE DOING. My question is WHY? Bastian's vet bills have not gone up significantly - so far as I can see his only "sin" is he is now 7 years old, but PATRON was 9 when I was paying $108 per dog sooooooooo...... I'm 69 - I wonder if it's that simple? Whatever the reason - this smells of gouging for some reason. If I leave Embrace Bastian is uninsurable with any other company for his pre-existing conditions and EMBRACE KNOWS THAT. THE BELOW IS A "CANNED" RESPONSE & NOT ONE SPECIFIC TO ME OR MY COMPLAINT ABOUT THEM. THEY DON'T CARE ENOUGH TO BE SPECIFIC. Very disappointing.
5
out of 5
POSTED: | BY: Ross March-Meenagh
The service has been incredible
The service has been incredible, above and beyond. They literally sent my dog a gotcha day present. They have paid all our claims without fight. Our premium remained reasonable even though our dog proved expensive. I'm very happy.
5
out of 5
POSTED: | BY: Jon Underwood
Left competitor for Embrace
Recently we made the move to Embrace after a competitor we had for 10 years raised their fees. Not soon thereafter our little guy had bladder stones. Operation to make all well. Embrace was so simple to use, met all our expectations, and did so after just a few months of being a member.
1
out of 5
POSTED: | BY: Uncle Al
Our cat was ill. Premium doubled afterwards
Our cat was ill. we had her treated to a tune of about 5k. Insurance claims were filed. Extra info was requested by Embrace and it was provided. We got our renewal notice a short while afterwards and our premium had basically doubled. We cancelled.
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.