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.
1

out of 5

POSTED: | BY: Rob G

avoid embrace

I have had embrace for a few years now for my cat. i got additional coverage in the event that she needed dental work done because the basic coverage didn't include dental work. My cat recently had her cleaning done which cost approximately 900 dollars. I called embrace and spoke with Tyler and was told I was denied reimbursement because she(my cat) had developed tarter and that was considered a pre-existing condition that would not allow for reimbursement. I was then told that my cat would be covered for future cleanings because the tarter would be covered going forward since i had a dental cleaning done. My issue is as follows. 1) what 12 year old cat doesnt have tarter and plaque build up 2)what good is coverage for future cleaning. my cat isnt going in for cleanings twice a year.
5

out of 5

POSTED: | BY: Joseph Velez

All questions answered

All questions answered. Extremely courteous staff. No BS.
5

out of 5

POSTED: | BY: Susan Seasholtz

Incredible customer service

Jeff was wonderful! He explained everything, answered all of my questions, made suggestions based on my individual cats, and was so very patient. The customer service is so far exemplary.
1

out of 5

POSTED: | BY: Tiffany Roetken

Scam

After passing for a policy for six years, I finally used it. As a result, my premium went from $89 a month to over $600 a month. Total scam!
5

out of 5

POSTED: | BY: Jim Sims

Caring People

I had some problems with the Embrace website and questions about my policy renewal. I was connected to Anna who spent about 45 minutes with me going over both issues. Not only was she professional and helpful, she was very compassionate about my dog's health issue. This is why I would never choose another company over Embrace.

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 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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