Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,286

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: Dave Dipietra

Customer Service

In a time when customer service is lacking in almost every interaction with any business with more than a handful of employees you have exceeded all of our expectations! Thank you for being there for us when we needed.
5

out of 5

POSTED: | BY: Mary

We wouldn't be without it

This coverage has paid for itself! We got the insurance with wellness when we got our first dog two years ago. And we added our new dog a few months ago. Filing claims couldn't be easier. And the coverage is great! The customer service has been wonderful, and we don't have to wait long for reimbursement.I would never not have embrace for our pets!
3

out of 5

POSTED: | BY: Sarah

I loved Embrace till my first policy renewal

I've had Embrace insurance for my beagle mix for a little under a year. I got the renewal quote in the mail and was surprised by the amount it went up, going up from $565 to $640. I called to ask why and the representative that Embrace will raise my rates every year by 10% because my dog is over 5 years old. If she lives a long time and they increase rates by 10% every year, this insurance is going to be very expensive. I did a lot of research before choosing Embrace, and I have been very happy with their response time to our claims, and they have always reimbursed my 80%. But this 10% percent increase every year just because my dog is now 6 years old is crazy. I would be more understanding if my dog was over 10 years old, but everyone calls her a puppy and yet I'm paying elderly dog rates. I'm no longer recommending Embrace to my friends and cautioning them that even the best companies will increase your rate $75 for no reason. I haven't decided whether to renew or not this year or switch to a different company.
4

out of 5

POSTED: | BY: David Taylor

Service is excellent, but claim process is not

Their rates, customer service, and coverage are excellent. But their claims process is another story. Even though you have an itemized receipt/invoice from the vet, they require you to have the vet fill out a separate claim form for them that lists exactly what the invoice already has on it and have it signed and stamped by them before they will accept it. This has been a huge hassle, and was contributing to a negative relationship with our vet. We had to cancel the policy and change to another that doesn't have this added layer of work... I would not have chosen this company had I known this beforehand.
5

out of 5

POSTED: | BY: Loretta Durning

Good Service

When I was looking for insurance for my new puppy Molly, I couldn't find a plan for both illness and wellness -- except for Embrace. Fortunately I've only needed the wellness part so far. Reimbursements are quick and can be done on line. I'm very happy.

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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