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: JR

I had 3 pieces to share:

I had 3 pieces to share: 1.) Embrace has been the best pet insurance company I've worked with, of 3. 2.) My dog just turned 11, and my yearly premium from age 10 MORE than double the current premium, to over $5k! Wow, that's unreal! And hence, loss of a star. I called them, though. 3.) The insurance advisor I spoke with about it all was WONDERFUL. She was fantastic, helpful, and understood my point of view. We figured out how to handle the situation together. I have another dog insured by another company, and I won't go to them again - I'll come back to Embrace.
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1

out of 5

POSTED: | BY: Fran Ritchie

I cannot call you from my Canadian…

I cannot call you from my Canadian mobile phone? My 2 claims were sent in for Dolly. One was paid and the other was incorrect. She does not have elimination problems. I think you received the wrong paperwork. Both claims were for ears and the second was anesthesia and ear flushing. Please let me know if this was your error or the vet sending an incorrect claim. I want to speak to someone please. 250-937-1230. Fran Ritchie Also, I cannot get into client portal again. Keep changing the password and then it will not accept. Not a good experience so far.
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5

out of 5

POSTED: | BY: Hamilton Henson

Easy to submit the claim online.

Easy to submit the claim online.
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3

out of 5

POSTED: | BY: Mary Rose Heller

I have been trying to get on your page…

I have been trying to get on your page but kept getting thrown out.Do I need to reset my page
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5

out of 5

POSTED: | BY: Elise

Everyone at Embrace has been helpful…

Everyone at Embrace has been helpful and compassionate.
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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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