Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
5

out of 5

POSTED: | BY: Matthew Warner

Reading is Believing!

They pay my claim as stated in the policy in less than a day, 1 time less than 2 hours, with no hassles.
1

out of 5

POSTED: | BY: janice kopp

Do Not Embrace Embrace

I am so displeased with Embrace that I considered reporting it to their state's insurance board. As far as I garner, they have a very sophisticated bait and switch program. I changed the policies of my dogs as they aged; Embrace claims they have not record. Embrace increase the yearly cost without personal notification. A text is not a proper notification. Then after they raise your deduction amount, the have a 60 day waiting period from the renewal date. Who remembers what date they signed up? Again, where is the notification? It has cost me over $300 a month to ensure my dogs and yet Embrace has not covered one expense. They keep raising the deduction without proper notification. I assure you that I would never carry a $1000 deduction and a $10,000 coverage on a senior dog. Embrace is so insulated that it is almost impossible to contact them; there is no email address and if you try to call, be prepared for a very long wait.I finally got through to a young woman who offered explanations that were less than satisfactory. I feel that Embrace's honesty is edgy. I warned the young lady to whom I spoke, do not drop my policy until notified. Also, I found after much research an email. I have not heard back from Embrace. insure
1

out of 5

POSTED: | BY: Janice Kopp

I Do Not Trust Embrace

I am so displeased with Embrace that I am considering reporting it to their state's insurance board. As far as I garner, they have a very sophisticated bait and switch program. I changed the policies of my dogs as they aged; Embrace claims they have not record. Embrace increases the yearly cost without personal notification. A text is not a proper notification. Then after they raise your deduction amount, the have a 60 day waiting period from the renewal date. Who remembers what date they signed up? Again, where is the notification? It has cost me over $300 a month to insure my dogs and yet Embrace has not covered one expense. They keep raising the deduction without proper notification. I assure you that I would never carry a $1000 deduction and a $10,000 coverage on a senior dog. Embrace is so insulted that it is almost impossible to contact them; there is not email address and if you try call, be prepared for a very long wait.I finally got through to a young woman who offered explanations that were less than satisfactory. I feel that Embrace's honesty is edgy. I warned the young lady to whom I spoke, do not drop my policy until notified. Also I found after much research an email. I have not heard from Embrace.
5

out of 5

POSTED: | BY: Lisa Haggerty

Great Customer Service!

Claim was very easy to submit & Jessica was great at keeping me informed about the claim status. She made the whole process very easy to understand. I’m so glad we chose Embrace for Hardy!
5

out of 5

POSTED: | BY: Teresa Cato

Empower extended my deadline.

I had financial problems and I needed to take my dog to the vet, but I couldn’t afford it at that time. Tyler Minski of Empower was kind enough to extend my deadline so that I could take my dog to the vet. They genuinely care!! Thank you Empower!!

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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