Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Matt

Terrible product

Terrible product, incredibly expensive. I honestly am angry at myself for sticking with them for as long as I did. Don't make the same mistake I did. Just figure out what your monthly fee would be with them, put that into a savings account, and boom - you have 100% better insurance than anything this company provides.
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5

out of 5

POSTED: | BY: Wally Orechia

Excellent customer service and support

Called about a concern I had regarding a new claim customer service.Got the earrings.As for me that I needed and was so understanding and polite. Customer service is a key reason for any business to stay Good, and they definitely are doing it
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3

out of 5

POSTED: | BY: MARCIE GUTHRIE

I have had a wellness claim pending…

I have had a wellness claim pending ever since December for one of my dogs. The company kept asking me for verification of a heart murmur that supposedly occurred June of 2023. My pet was not born until October of 2023. Once I had that cleared up they came back with required verification for a sedative that we give our boy for hyper activity. I would not recommend this company to anyone.
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5

out of 5

POSTED: | BY: Bobbie Jo Allen

Priceless Peace of Mind

The people at Embrace are easy to deal with and customer service is always great. The policies are very adaptable and response time is quick. I had a serious issue with reimbursement but they fixed the problem instantly and made sure I got the correct solution. Peace of mind for my dog who seems to find trouble in off vet hours—so worth it. Thanks Embrace.
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5

out of 5

POSTED: | BY: Michelle Dent

Great customer servjce

Customer service is courteous, friendly and professional. Made an error on a claim and had to refile and the process was very smooth and handled expeditiously with updates provided in a timely fashion. Very satisfied customer.
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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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