Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Michal Johnson

I feel it’s really sad that my puppy needs to die

I feel it’s really sad that my puppy needs get violently ill or die before the insurance will pay for his surgery. My puppy NEEDS to be neutered because his testicle never dropped which causes severe problems.
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5

out of 5

POSTED: | BY: customer

the two ladies I spoke with from…

the two ladies I spoke with from Embrace Insurance were knowledgeable and courteous. And they helped me get to the website and submit my claim. I want to thank both of them.
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5

out of 5

POSTED: | BY: bonnie jackson

Actual real live customer service!!

I have not had to submit a claim thank goodness but did need help with my account and adding on a new pup. Tyler the rep that helped me was friendly, fast, and efficient. Thank you for access to a live person. My issue would have been frustrating to try and fix using AI chat bots.
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1

out of 5

POSTED: | BY: Philip Aumann

I will never recommend Embrace to…

I will never recommend Embrace to anyone! Delay Delay Delay. You kept saying you needed medical records when our providers sent them 3x! Then you denied claims that should have been covered under our policy. and then, our premiums almost doubled after a year!
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1

out of 5

POSTED: | BY: jennifer clapp

They love to claim pre-existing…

They love to claim pre-existing conditions on EVERYTHING and reset the clock for another 12 months after they deny your claim. They claimed pre-existing conditions on my cat getting attacked and injured because she had been in a fight 7 months earlier.
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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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