Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: Virginia Reck

Not sufficient value for the cost

After 7 years of being a paying customer of Embrace, the company jacked my dog's insurance from $1197 to $2352 with no change in deductible, % covered or total claims allowed. My dog is 11 years old , 12 pounds and very healthy. Since 2019 I have filed only 10 claims for her mostly concerning her teeth cleaning - all were minor claim payments. I received an email requesting that I contact Embrace for an explanation. Customer service offered me a new policy for ~$800 that didn't't cover any pre-existing conditions like a tooth that needed to be pulled during cleaning. They were obviously cutting older dogs from their membership. Even at $800, I don't feel that I am getting value for money. There are a lot of other pet insurance options.
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5

out of 5

POSTED: | BY: Aaron Williams

My Pup!

My puppy isn’t a year old yet and I’ve had 4 claims. All of them were covered and I had no problems collecting. Embrace was been wonderful for me and my dog.
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1

out of 5

POSTED: | BY: Marisa Turner

Never signed up to these but taken a…

Never signed up to these but taken a payment from my account I don’t know what is going on will be reporting as fraud tomorrow
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5

out of 5

POSTED: | BY: Dawn Hibbler

Customer CARE

My representative, Jeff, was incredibly helpful. He listened to my needs and guided me to a plan that perfectly suited those needs. He was knowledgeable, efficient, and professional. I couldn't have asked for better customer care-- not just customer service-- customer CARE!
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5

out of 5

POSTED: | BY: Laura

Helpful and kind representative

The Embrace representative was very kind and helpful throughout my policy renewal process.
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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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