Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Beth Mirsky

Horrible Customer Service

They came highly recommended so I signed up with them almost a year ago One of my dogs has allergies but they paid for one of his meds so I thought they’d cover it- Nope- was told it was a “mistake “ Constantly asking for medical records even after a recent review Can’t reach them by phone unlesss you have nothing to do but wait on hold They also don’t respond to emails - I have now sent 3 with no response after over a week New renewal price has now increased (2 dog’s) from $203 - $243 Claimed an eye injury- fixed with surgery- is a pre- existing condition I’m switching to a less expensive better coverage carrier on the renewal date A bit worried as they’re no place online to cancel, don’t have hours to spend on hold and emailing them doesn’t work I’ll now wait for them to apologize here
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5

out of 5

POSTED: | BY: Norma Morales

Claim was easy to fill out.

Claim was easy to fill out.
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5

out of 5

POSTED: | BY: customer

I highly recommend Embrace Pet Insurance!

Embrace Pet Insurance and everyone who has helped me are excellent! They've always been very informative, professional and friendly. They have responded quickly to any questions I've had regarding claims and fast and fair with reimbursements. I highly recommend Embrace!
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5

out of 5

POSTED: | BY: Lata Gadoo

Amazing experience !!

Such an amazing experience we had !! We got pre approval done for our dog’s cataract surgery but by the time we got an appointment for surgery , four months had passed and bill was much more then initial quote. Embrace was so prompt in paying the claim, just upload document online snd next day the claim is done. Very impressed with the customer service , they have a customer for life :)
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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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