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.
3

out of 5

POSTED: | BY: Marylou Merryman

A longong wait on phone before I received help. And difficult to submit my claim this time

Hire more people so the wait on the phone isn't soooo long.
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5

out of 5

POSTED: | BY: James Ciminello

Highly recommend

We have had Embrace Pet Insurance for over 15 years and have been extremely satisfied with their coverage and wellness plans. I highly recommend them for all of your pets.
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1

out of 5

POSTED: | BY: Dallas

Avoid at all costs

Avoid at all costs! They increase rates by as much as 57% every year for a single healthy young pup. When you do file a claim, they often deny giving an accuse that the itemized bill isn't legible, when anyone with normal vision can read it perfectly fine.
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3

out of 5

POSTED: | BY: Herb

I had a terrible time with the online

I had a terrible time with the online system today. I had three claims to submit and had to do each one smore than one time as something always popped up and caused a restart. Also, the menu for the hospital names jumped a few times causing me to select the wrong provider and having to go back and try again. Not a very good experience today.
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5

out of 5

POSTED: | BY: Jim Hohl

Smooth claims process and reasonable rates - a true lifesaver

Our cat has cancer and embrace has covered literally everything from procedures and meds - with no questions asked for a year and a half. Our little one’s issues started coming up just a year into our policy and they renewed us a year later with only a tiny bump in premium after reimbursing in the 10s of thousands of dollars. They’ve given us precious time with our too young little girl and made a very tough time a lot less stressful. I constantly recommend Embrace to every pet owner I know.
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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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