Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
3

out of 5

POSTED: | BY: Dena Moritz

Whenever I submit claims they ask for a…

Whenever I submit claims they ask for a history from my vet. My vet immediately sends them but Embrace keeps sending messages stating they didn't receive them. So then I have to ask for the same exact thing and send it with a message stating they were supplied the same day it was requested. This has happened to me more than once, my vet tells me that it always happens to them with this company. Just be aware you will have to do more leg work than normal.
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5

out of 5

POSTED: | BY: Susan Tipler

If only our human insurance was this…

If only our human insurance was this good. Embrace pays promptly and has an excellent support team, just a phone call away.
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5

out of 5

POSTED: | BY: Amanda Thomas

Fantastic Service

We've been with Embrace for many years and their service is fantastic. I feel like they care about us and our pet in the way they communicate and how quickly they process reimbursements.
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4

out of 5

POSTED: | BY: Márcia Volpe

Hard to Navigate for the First Time

It was hard at first to learn how to navigate through the app due to the choices - or lack of, and no support from customer service. Until I finally got an agent to hear me and walk me through the process. Suppose they could make it easier to navigate or better educate the customer service on handling and assisting first-timers.
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1

out of 5

POSTED: | BY: David LeCount

After taking a full day to get quotes…

After taking a full day to get quotes and read reviews we settled on Embrace for our insurance needs. Seven short months and zero claims later we received a "friendly reminder" letter that our premiums were nearly doubling! Obviously we canceled but what caught my attention was when the agent asked me "well is there a middle ground here"? I said "So are you offering to lower the price now that I have called"? I said, "The only way a price goes up like this is if it is a "bait and switch" or poor business management and we want neither." BEWARE
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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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