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.
1

out of 5

POSTED: | BY: Georgia

Bait and switch

First policy renewal and the premium doubled!! No claims at time of renewal. Bait and switch tactic which will now cause issues when I change back to our previous insurance since they will be new pets instead of having a history on the policy. And because I had a claim (just after the policy renewal) now that will be a preexisting condition on any new policy and won’t be covered in future. Really got screwed over with long lasting repercussions.
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5

out of 5

POSTED: | BY: Karen Kelly

Submitting a claim for my pet is an…

Submitting a claim for my pet is an easy experience with Embrace and I highly recommend this company for pet insurance!
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4

out of 5

POSTED: | BY: Jeannette Allan

Surprised about non coverage for what is a definite health issue needing professional care

Well I have to admit the expression of anal glands not being covered by Pippa’s health insurance was an unhappy surprise to me as surely it is indeed a health issue . I don’t quite get the “ wellness “ coverage issue either for if an animal was “ well” why would we be visiting a vet in the first place and needing to claim reimbursement for that particular issue. I know you have your policies and criteria.. but it does seem a little odd to me …
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1

out of 5

POSTED: | BY: Roderick M

They will take your money and then deny…

They will take your money and then deny your claims. I will NEVER trust this company ever again. Typical crooks!
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5

out of 5

POSTED: | BY: Lisa Haas

very easy to submit a claim

very easy to submit a claim. Payment comes quickly too. There are a lot of pet insurance companies, but embrace is the best!!!
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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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