Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,709

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: vorasbm

Just another Crappy Insurance Company

As others have stated, they're happy to take your money, but when your pet has a medical issue, they will deny deny deny your claim. They will do so even after you have provided them with all the documentation required. They'll demand additional info and/or verification that they know you will not be able to provide. Embrace is just another duplicitous greedy self-serving insurance company that prays on your unparalleled love for your pet. Unfortunately, pet insurance is a bill of goods. A complete rip off.
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1

out of 5

POSTED: | BY: Brittany Laurent

Don’t swap

I just swapped to this company from pets best. After explaining that an appointment for a dog was a follow up with no symptoms…they’re still not wanting to cover a claim. So now things that would’ve been covered for my dogs (allergies, etc…) are no longer covered. Don’t swap…customer service won’t call you back if you leave a voicemail. Not the company that is worried about your fur babies
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5

out of 5

POSTED: | BY: Katerine Salhuana

Excellent services and take care about…

Excellent services and take care about your pet
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5

out of 5

POSTED: | BY: Julie Meszaros

I have been with Embrace since 2019 for…

I have been with Embrace since 2019 for a dog I rescued. Not knowing history can be a little hard not to know. I never used it until last month for the 1st time. What was so awesome about it, it was so easy! Not only that but my refund was within days!! Now that’s customer service. Can’t say enough for the first time but it was so easy no hassle. Thank you Embrace 5 ⭐️⭐️⭐️⭐️⭐️ ‘S Julie Meszaros
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1

out of 5

POSTED: | BY: Lilia S

you CANNOT cancel auto renewal!

maybe it is a good insurance. I purchased it but had to cancel because they DO NOT have the option to opt out of auto renewal. Contacted them about it, both by phone and email: nope; just bla bla bla that they send a notification prior to auto renewal and I will have an option to cancel… So if you just want to buy it for a year and not bother remembering details - YOU CANNOT.
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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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