Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Alice-Ann Darrow

Great customer service

Fortunately, My dog has been pretty healthy. I will say though, every communication with Embrace has been pleasant and they are always responsive. They respond quickly and never mind answering questions about your policy or bill.
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5

out of 5

POSTED: | BY: Louie's Mom

Quick turnaround on a claim

Quick turnaround on a claim. Thank you Enbrace
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5

out of 5

POSTED: | BY: RICHARD HILFIGER

Taylor convinced me Embrace was for Tasha, my Maine coon.

The representative was someone who knew what she was talking about. I looked at what benefits were offered and everything looked good. Our kitten was a very expensive one and my husband and I felt that our kitten should get the best policy.
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2

out of 5

POSTED: | BY: Bernadette

I have no problem with the customer…

I have no problem with the customer service department; they were polite, supportive, and professional... it's the company, itself, that gives me cause for pause. I have been a customer for nine years. This year, when my policy was up for renewal, I saw a 71% rate increase. My pets are healthy and have not had massive claims submitted during that nine year span. The service rep told me the price increase was because of the dogs' ages... that's total price-gouging, imho... I am so fed up... the cost to renew a policy for two dogs was almost $4k per year... WAY more than I spend on vet bills... totally out of control!
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3

out of 5

POSTED: | BY: Naeelah Murray-Genwright

Not very accessible 

The app is not really accessible for visually impaired users and you try to submit a claim using a screen reader the screen just stops working 
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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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