Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
4

out of 5

POSTED: | BY: Erik Hoffer

When I go to submit a claim the options…

When I go to submit a claim the options given for the issues are seemingly fixed. I had to call to find out that I needed key words to then locate an acceptable diagnosis. Seems like that is confusing and not well thought out by whoever did the website.
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5

out of 5

POSTED: | BY: Debra Convertito

Very easy to work with

Very easy to work with. Representatives are always very helpful
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4

out of 5

POSTED: | BY: Susan Zeigler

Easy to read and invoice easy to send…

Easy to read and invoice easy to send through picture. I haven't had problems yet so far. They have exam coverage which I'm happy with.
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1

out of 5

POSTED: | BY: Caro

96% premium price increase

I've used Embrace for seven years and have no complaints about the coverage or reimbursement process, but for the second year in a row the premium for one of my dogs has spiked significantly. I always expect a slight price increase from year to year, but having one dog's premium increase from $190 to $370 per month is outrageous. No amount of demurring about a dog's breed, age, the longevity of the policy, or vet care cost increases can possibly justify this kind of price hike. I'm disappointed that Embrace is choosing to do this, especially given that pre-existing conditions aren't covered by other insurance carriers, which essentially locks current clients in regardless of predatory rate increases.
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5

out of 5

POSTED: | BY: Oliver Archer

Very Easy

Very easy to navigate the form completion.
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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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