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: Christopher HENDERSON

My dog is 9 yrs old

My dog is 9 yrs old, n we have had Embrace for about half of those. We went w embrace because they were highly ranked on Consumer Reports. Unfortunately their service n product did not live up to expectations! 2 accidents that our dog had, they argued were not covered. These were accidents that injured my dog but no they were not covered! Now they want to raise our costs by 70%!!! No, I am not paying for useless insurance!!! Good luck with all the other suckers!!!!
Read more on Trustpilot
3

out of 5

POSTED: | BY: Hannah Caebre

Premium doubled in one year

Working with this company was mostly a good experience, but only for one year. The support staff is always kind and professional, the website is easy to use and I was reimbursed quickly for claims I submitted. However, my premium DOUBLED after one year. A 100% increase in cost is outrageous and now I can't keep all my pets insured with this company.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Elissa Fritcher

Fast claim processing

Quick communication and claims processing.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Alon Peled

They keep raising their premium

They keep raising their premium, making the insurance useless
Read more on Trustpilot
1

out of 5

POSTED: | BY: customer

I have always been satisfied with…

I have always been satisfied with Embrace until I got my stray 8 wk old kitten in July.We took her to our vet the day after we got her. She was wormed and given flea and tic meds! I put her on our Embrace policy with our other two cats who are 8 yrs old!She was on long enough to be covered for an accident but not for an illness. We came home from church about a month after we got her and she could not put any weight on her leg! She was absolutely fine when we went to church! Since it was Sunday, we took her to the emergency vet! $700 later it was determined she had a soft tissue injury, nothing broken! We took her home and she was fine the next day, just limping slightly! Because no one witnessed what happened to her, Embrace said it could be a pre- existing condition and refused to pay! Before that Sunday, the kitten had no problems walking, nor has she been diagnosed with any problem to her leg since! Embrace has always been great with paying our other claims, but this one seriously fell through the cracks!!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review