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.
2

out of 5

POSTED: | BY: HnLA

I just canceled after 3 years

I just canceled after 3 years. The cost got to be too much. And they find every reason to make a pre-existing condition. I initially signed up my 10 year old dog it was $52 with a $500 deductible. Then it was $65 with a 750 deductible then it was $82 with $1,000 deductible and then for 13-year-old dog it was $220 with $1,000 deductible. She's a healthy dog fortunately. All the people I dealt with were very nice both sales and claims, but the increase seems high and I would expect next year it would be even higher
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5

out of 5

POSTED: | BY: JCL PRODUCTIONS

I’m recommending this insurance to…

I’m recommending this insurance to everyone. I have used it three times and it’s been amazing experience.
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1

out of 5

POSTED: | BY: Jamie Morgenstern

We paid for insurance on our dog…

We paid for insurance on our dog starting in fall of 2016, and never missed a payment. This spring, my payment somehow didn't go through, and they cancelled my policy! All of their emails went into my spam folder so I had no idea. Now my dog's back was hurt and I was left without insurance without my knowledge.
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5

out of 5

POSTED: | BY: Susan Wharton

Excellent customer service

Excellent customer service, easy claims process and quick turnaround time. Highly recommend!
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5

out of 5

POSTED: | BY: Lindsay

Fabulous Company

Y'all are always wonderful anytime we call and your reimbursement is super fast and no hassle.
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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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