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.
2

out of 5

POSTED: | BY: Kristi Cameron

Communication and Rising Costs

This company has become harder and harder to contact. When you do reach an agent, they are very nice and helpful. Over time, the rates have continued to increase.
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5

out of 5

POSTED: | BY: Jen

Fast and convenient

I use Embrace insurance for my three dogs, submitting a claim is easy and fast, and my claims are accepted quickly and my reimbursements are deposited directly into my bank account. Very convenient!
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4

out of 5

POSTED: | BY: Richard Webb

Submitting a claim is easy

Submitting a claim is easy. Easy to see why Embrace rated so high.
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1

out of 5

POSTED: | BY: ÐreddRogue

They got greedy

They got greedy. They tripled my rate over the course of a month so I cancelled them. My pet had no existing conditions and never filed a claim. Called to confront them they said they had no particular reason just increased my rates. They could have kept collecting the same amount on my pet and everyone after and made more money than the tripled rate per month that only lasted a month. Not very smart and I’ll never use them again.
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1

out of 5

POSTED: | BY: David Brower

I just got me policy renewal in a 90%…

I just got me policy renewal in a 90% increase I asked why and was told it was due to my dogs age my dog has recently turned 3 years old and inflation was the reason.strange as the inflation rate is sitting at around 3%. Just another example of consumers being ripped off by insurance companies
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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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