Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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: terry L

Deceptive billing practices

Been with you for several years, and been very happy, until now. I never received a renewal email notice this year, nor did I receive notice the day before I was billed. Seems convenient, seeing as my premium had a 200% increase. And because I didn't notice it until the day I was billed, and you were closed , I had to wait until the next day to cancel. And then I was charged 15 dollars for those 2 days. You don't allow cancelation through the website. So, you should have 24 hour coverage, so when someone gets blind sided, they can take action immediately. I feel it is deceptive billing practices, and that is how I am going to address it to the BBB. I have had the same email address since joining, and it wasn't in my junk mail. I am sure I am not the only one who has been surprised.
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5

out of 5

POSTED: | BY: Joy Kisselburg

Customer Service is Key

So far this company has been very smooth to deal with. My questions are always answered by kind representatives. In addition submitting claims are so very simple & paid out within a VERY reasonable time frame. Thank you to everyone @ Embrace Pet Insurance
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5

out of 5

POSTED: | BY: Lucia Bartoli

I can rely on Embrace for my BFF Minkie

I am relieved when the vet charges are presented, because I know I’ve got insurance to cover most of it. The process is carried out in a few days. In complex things, it might be a bit longer. But it’s amazingly fast. I consider myself blest to have Embrace and a great vet clinic for my little pal. The Embracers are friendly, efficient and professional. They understand the trauma of having an unwell animal companion. I’m 100% with Embrace!
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5

out of 5

POSTED: | BY: Gary Graber

This Insurance Saved Us

I was somewhat concerned when my dog's insurance premium increased by 35% recently. I decided to stick it out for now because he is our only "child." Two weeks ago, he injured his back so badly that he needed emergency back surgery to repair two herniated discs that were pinching his spine. He couldn't walk and was screaming in pain. Don't worry, he's going to be fine. Thanks to Embrace Insurance, I am being reimbursed for 90% of all of his bills. We're talking nearly $8k, so needless to say, the 35% increase in premium is worth paying. Thank you Embrace for protecting my dog's health and keeping my wallet more intact.
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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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