Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Susan

I was very pleased with my experience…

I was very pleased with my experience signing up my two Husky’s with Embrace Insurance❤️🐾❤️🐾 The representative was kind understanding and helpful.Embrace has the best coverage at a great price
1

out of 5

POSTED: | BY: Roberta Stephens Satori

Uncaring

First, I waited almost 30 minutes for anyone to answer the phone and then the girl on the other end was cold and direct without any care for why I was calling. It was heartbreaking.
1

out of 5

POSTED: | BY: Cameron Salehi

I purchased an Embrace policy for my…

I purchased an Embrace policy for my dog and maintained coverage for approximately three years because I believed it would provide peace of mind and affordable protection as he entered his senior years. During that time, I paid approximately $190 per month and submitted only four claims, none of which were paid. My premium remained relatively stable, so I had no reason to believe a significant increase was coming. Less than 30 days before renewal, I received a one page notice informing me that my premium would increase from approximately $190 per month to $502 per month. No meaningful explanation accompanied the notice. My frustration is not that premiums can increase. My frustration is that I was never given a realistic understanding that maintaining coverage for years could result in a premium increase of this magnitude when my dog reached age 13 and was most likely to need the coverage. Had I known that was a possibility, I would have placed the same money into a dedicated savings account instead of maintaining the policy. Pet owners considering Embrace should carefully investigate how premiums may change as their pets age and ask specifically about potential increases during the senior years. I wish I had known more about that before enrolling.
1

out of 5

POSTED: | BY: Carla Moss

Never answer the phone

Never answer the phone. On hold 1 hour 2 days. No response. We register our new puppy but never received a confirmation. They hadn't entered our information for emails or for our phone number when we filled out the forms. Thus, we didn't exist and couldn't get on the website nor see our account! I've sent 3 invoices/claims but no response! Sent several emails with no response. My husband is on hold now for 20 minutes. No customer service. We will go elsewhere.
5

out of 5

POSTED: | BY: customer

Danny & Jean Bowen

Ali was an excellent teacher showing us step by step on how to train our dog. He is like the DOG GURU when it comes to reading the dog's personality and needs of how to perform the way we needed her to. He was very articulate in showing us the best ways to handle her. Consistency was a major rule with working with her and us. Practice, practice, practice. He was a wealth of information for any questions we had. Showed us grooming steps such as how to clip her nail etc. He vowed that he would be available for any future questions or concerns we should ever have after training ended for the lifetime of the dog. We can't thank him enough for sharing his experiences and wisdom on training any type of dog you have. He was very accommodating with scheduling training timelines and places to meet in case of bad weather.

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.

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