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.
2

out of 5

POSTED: | BY: Karina

Unexpected severe price hikes

I had insured my rottweiler mix for 4 years with Embrace, and never filed a claim. Each year, my premium went up by 12-17%, which is expected. The 5th year, my premium went up by 35%! I was on an auto renewal plan. I looked on their website, which listed an email address to contact with complaints. I emailed that address 3 days before my auto-renew. I didn't hear anything back. They withdrew the annual premium from my bank account. When I called several days later after seeing the withdrawal from my bank account, they told me they had no idea what email address I was talking about; I had to tell them where it was listed on their own website. They said they never got my email. They did refund my premium when I said I was cancelling. They said that the price hike was because of my dog getting older, and that they'd adjusted their prices due to market changes. But 35% is crazy! My policy went from six hundred and change per year to nine hundred dollars per year in one jump. If you use them, look very carefully at your bills.
5

out of 5

POSTED: | BY: Brendan

Quality Care

Embrace has come through on every claim I have made and any time I needed information. I am very happy I chose them for my cats.
5

out of 5

POSTED: | BY: Elvira

Great service and coverage

My Corgi puppy required surgery within the first three months of having her and having the insurance policy. I was impressed by Embrace's customer service--i.e. cordial, resourceful, and quick response time--and by the timely handling of my claims and clear explanation of coverage for each. Also, Embrace is the only pet insurance I found which offers the Wellness Rewards program covering up to $650 worth of non-illness related needs--e.g. spaying, obedience classes. I'll be staying with them! Thanks Embrace!
5

out of 5

POSTED: | BY: Chantal

Very grateful

We have had embrace pet insurance for about 6 months and we are very thankful that we finally signed up. Our little yorkie has gastritis recently and their process was very simple and reimbursement was quick. Also, when our little girl chipped a tooth, they covered for the vet to see her for dental issues too. They have been very easy to work with. I would recommend them to everyone.
5

out of 5

POSTED: | BY: T

A Pet Insurance Company that is fair.

Embrace Pet Insurance is fair and careful.
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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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