Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: LC

593% Increase in 1 Year

I was a customer for 5+ years. This year my premiums went up to over $1,000 a MONTH for my three pets. It's always been around $150 monthly. My premiums are more than the payout could ever possibly be if something catastrophic happened. That makes no sense that I am paying them more than I could even hope to recover IF there was an incident. Called 3 times to resolve this only to be told the numbers are correct. That's insane! They were easy to work with up until this.
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1

out of 5

POSTED: | BY: tiffany

This is a joke I’ve paid for this…

This is a joke I’ve paid for this insurance for both my dogs for two years yet when I turn in a claim one time for them they don’t pay out what they say they would and I’ve still seen nothing . Now I try to cancel and they will not even cancel plan. I think it’s nothing but a rip off
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5

out of 5

POSTED: | BY: Ronald Greene

Outstanding service!!

Outstanding service!!
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5

out of 5

POSTED: | BY: Marta Zamora

phone call

great conversation with my phone person
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5

out of 5

POSTED: | BY: Californian

Being a mommy of 2 pups

Being a mommy of 2 pups, I have some issues to address to the insurance periodically and always receive needed support and help. The customer support is patient and knowledgeable with all requests and replies in timely manner. Receiving a help from 3 representatives so far, I'd say that this one of the best customer support experience in the last 5 years. Unfortunately, I was unable to increase annual insurance coverage for one of the doggies without complete resetting it, but this is most probably a common policy for all insurances.
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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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