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.
3

out of 5

POSTED: | BY: janet brown

Felt like retaliation

I’ve had Embrace for 9 years. The rates appear to go up yearly. A few months ago i sent a note telling them their automated system misdiagnosed my dog’s problem. Almost immediately someone at Enbrace contacted my veterinarian and requested my dog’s entire medical record. I was cc’d. They then denied my claim of lameness for reimbursement of Carprofen, stating that the med was for treating a pre-existing diagnosis. I recently contacted them and asked that they find a way to lower my monthly premium. She agreed, lowered the premium $20 but in exchange I had to agree to a higher deductible. I am seriously looking for a different insurance company.
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5

out of 5

POSTED: | BY: Rhonda Hertwig

Very easy to navigate

Very easy to navigate. Thank you.
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5

out of 5

POSTED: | BY: Carole

Embrace makes it easy to file your…

Embrace makes it easy to file your claim, & they cover quickly & well! Will be in your bank account quick!
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5

out of 5

POSTED: | BY: Barbara

Thanks again, Sasmantha from Embrace!

As always, Embrace staff is always helpful and patient.
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1

out of 5

POSTED: | BY: Nicholas McGraw

They are absolutely terrible

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.
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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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