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.
1

out of 5

POSTED: | BY: Dajah Benton

They overcharged me me two months in a…

They overcharged me me two months in a row. I had to continuously call and I was not compensated for the inconvenience. The rates also go up even if you don’t use the policy. I did not say I wasn’t refunded. However, I said I was not compensated after being on hold for almost a hour. The manager did nothing to ensure they appreciate customer service. This was a billing error on the companies behalf. What was given to me for the time that I wasted out of my day to correct service that I pay my hard earned money to? Yall have policies and deductibles that will always be followed when it’s time to use what we pay into for months. I deserve to be compensated for the inconvenience caused because of negligence. It was not my fault I was overcharged.
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2

out of 5

POSTED: | BY: Phyllis Tozzi

Slow reimbursed. Very slow review

I submitted a claim on 10/21 and here it is, 11/3, and it’s still in review. Nothing big. Just a wellness exam, shots, etc. the doctor gave me cream for my dogs skin irritation. Nothing else. It takes a long time to get reimbursed.
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5

out of 5

POSTED: | BY: Richard

Why did I wait so long?!

I've always had dogs (and cats!) and I've never had pet insurance. Big mistake: pet insurance is REALLY helpful, and I couldn't be happier with Embrace.
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5

out of 5

POSTED: | BY: Danielle Haussmann

We’ve had Embrace for years

We’ve had Embrace for years, Embrace is the best. Always great service and fast refunds.
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5

out of 5

POSTED: | BY: Sandrine Schultz

Easy to use the website -

Easy to use the website -
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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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