Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Giovanna

I've been with this company for a very…

Telling me about your policy and I'm sorry that I didn't whatever with your policy does not help. You guys should be covering my dog's allergies because he was covered under your insurance for a while before he had those allergies come up with and because of a technicality that the last checkup he had was too old for you to use you won't cover it . That is BS you suck and all you wanted to do was just not allow a claim to go through that's what insurance companies do they rip people off . You're not any different. It was a few days I'm sure maybe a week too old for you guys that's ridiculous after all the money I've spent with you for years having Insurance on all my pets with you when Sam passes I'm canceling everyone's insurance from your company you have me stuck right now. I've been with this company for a very long time. The reason I'm giving them a two is because of something terrible they've done. My dog had a physical and when I got the insurance the physical was too old for them to use this is 2 years later I find out he has allergies he started getting allergies and they won't cover it because of his expired time frame of his physical. They know damn well that didn't start until 2 years into his insurance. I think that's terrible that screwed up and that's not a good way to keep customers. The only reason I'm still with him is because I have a dog that's 16 years old and he needs his insurance. Otherwise I would have left I'm just waiting for Sam not to be around anymore and I'm done with them. That is the crappiest thing I've ever had any company do the worst customer service ever. Just trying to rip me off after I've been paying for my two older dogs insurance and now cashes. And that's awful. Very bad business very very bad business
5

out of 5

POSTED: | BY: Steve W

claim system is so easy and quck to…

The claim system is so easy and quck to use! Submitting took less than five minutes! Couldn't be happier!
5

out of 5

POSTED: | BY: Sylvia Bunn

So far I am very pleased with this…

So far I am very pleased with this insurance. I have recommended Embrace to several people. Very easy to submit claims and quickly paid. Thanks Embrace for your great customer service.
5

out of 5

POSTED: | BY: Wanda Froehlich

Extremely happy with Embrace

I bought a policy in 2018 for our new puppy, Helga, and have been very satisfied with it. Sure the premiums increased but all insurance products (auto, home, health) increased. I really like submitting my claims online! So easy and fast. Thank you for all that you do. Sincerely, Wanda F.
5

out of 5

POSTED: | BY: Barbara Soderholm

I have Embrace Insurance for 13 years

I have Embrace Insurance for 13 years. To make a claim is simple and quick. If I have to contact them they are polite and friendly. I would highly recommend them.

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 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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