Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Leigh Sinclair

Great Service

I have been consistently impressed with Embrace's services. The cost of insurance is fair (and highly necessary for my dog!!) and submitting claims is a breeze. They reimburse in a timely fashion and I have not had issues getting visits covered. Their customer service staff is also top notch! I have recommended them to many friends.
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5

out of 5

POSTED: | BY: Patricia

I was happy this vet trip actually was…

I was happy this vet trip actually was covered! I have a Yorkie and he is high maintenance and every little bit helps!
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5

out of 5

POSTED: | BY: Jay Snyder

Excellent and easy service

Excellent and easy service. Great peace of mind.
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5

out of 5

POSTED: | BY: Essex Peters

I have personally had a great…

I have personally had a great experience with them. They've always paid claims when they were required to, and were fair about explaining when a claim was not covered for whatever reason.
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1

out of 5

POSTED: | BY: Marilyn Papa

Disappointed After 16 Years – Outrageous Premium Hike

I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken. Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and minimal claims, this is how they treat longtime customers? I’ve never experienced anything like this before, even with pets that have aged or passed. It feels dishonest, and it’s unacceptable. I’m pulling my remaining pet, Shiloh, off their policy immediately. I refuse to go through this again as he gets older. I’ll be switching providers and removing any positive reviews I’ve left in the past. If you’re considering Embrace, think twice. If anyone has recommendations for a pet insurance company that doesn’t do this, please share. I’m done with Embrace.
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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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