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: Lilia S

you CANNOT cancel auto renewal!

maybe it is a good insurance. I purchased it but had to cancel because they DO NOT have the option to opt out of auto renewal. Contacted them about it, both by phone and email: nope; just bla bla bla that they send a notification prior to auto renewal and I will have an option to cancel… So if you just want to buy it for a year and not bother remembering details - YOU CANNOT.
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1

out of 5

POSTED: | BY: RC RC

Horrible Company

Typical insurance company. Will always be happy to take your premiums but when you need help they'll find any excuse in the book to deny your claim. Then they'll raise your renewal remiums so much in order to cover any future claims. Very unhappy with the coverage for my two pups thus far and won't be renewing when they pull this crap. Especially after paying $1200 1st year and then getting a renewal notice for over $2200 the 2nd year. Even their agent admitted he's never seen any increase that high year over year! Crooks!
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5

out of 5

POSTED: | BY: customerMary Laufer

Eric was very thorough on explaining…

Eric was very thorough on explaining everything to me and if I didn’t quite understand he went over it again. He was very pleasant to talk to. Told me if I had any more questions to give me a call. He even gave me his phone number.
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5

out of 5

POSTED: | BY: Susan Levine

Easy claim submission process

Easy claim submission process. Good initial response time. Adequate response to concerns regarding initial denial of claim.
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1

out of 5

POSTED: | BY: Mark P.

Embrace breaks promises: Don't use them

Having an older dog with increasing veterinary care costs, I decided to cancel at the beginning of a new premium period. since Embrace wasn't covering any of my increased costs. Unfortunately, I had just been charged the full premium. After canceling, I was promised a full refund. Ten days later, nothing.
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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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