Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Bruce Truesdale

Embrace makes keeping my dogs healthy…

Embrace makes keeping my dogs healthy very easy. Take them to the vet, submit your claim and get a refund on most of the cost within a few days. The customer support if efficient and friendly. You can call them with questions and they answer, unlike a lot of insurance places. I would highly recommend them to everyone.
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5

out of 5

POSTED: | BY: MJ

Very easy to use the website

Very easy to use the website. It is quick and easy! Recommend Embrace to all my friends.
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2

out of 5

POSTED: | BY: Lauren Myers

Price gouging

I recommend any pet owner I know to get pet insurance; however, I will never be recommending Embrace. My monthly premium on my dog went up almost $20/mo….on my only THREE year old dog. They say the increase is due to inflation and age but I have a hard time believe inflation caused this much of an increase and my dog is not old. We have a few emergent visits this year, so I feel like even though they claim to not increase due to useage, they absolutely have. Unfortunately I’m stuck with them if I want insurance since now she will have to”preexisting conditions” as a new pet on new insurance.
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1

out of 5

POSTED: | BY: Heather Criswell

Rudeness/ the cost upfront

When I first called in and a gentleman answered, I asked them was there anyway that he could waive the $25 for the first time he told me no didn’t even explain why he was snippy and the fact that you have to spend $25 is absolutely ridiculous so I’m going to be canceling And I found another company that would wave the set up fee for me and they are a lot nicer. The only reason I was asking is because I’m fighting cancer and that alone is expensive.
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5

out of 5

POSTED: | BY: customer

Embrace has always had my back

Embrace has always had my back and my veterinarians say Embrace is easy to work with. It is a win win!
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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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