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: Jiasong Yuen

Buyers Beware - save your money and self insure instead

Terrible experience - they doubled our monthly premium after one year and automatically denied every claim based on a pre-existing condition even when there is clearly no connection between the two (even after our vet wrote an appeal letter). Their claims adjusters have little medical knowledge and it became clear after a while that their MO is to deny every claim regardless so you have to spend all your time and energy to appeal. You're better off self insuring than give your money to this company.
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5

out of 5

POSTED: | BY: David Alsip

To have a company do what you did and…

To have a company do what you did and in a timely manner is unusual to say the least, especially for an animal.
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5

out of 5

POSTED: | BY: Deanna Bain

I had a life saving emergency for our…

I had a life saving emergency for our dog . I summited a claim and with in 2 days ot was paid and in my account . I did not have to hassle at all. We still have our cat who is on Embrace Insurance . I do recommend Embrace
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5

out of 5

POSTED: | BY: Robert

Dog needed emergency surgery with total…

Dog needed emergency surgery with total costs approximately $6000.00. Luckily I had $15,000 of coverage and a credit card. My dog is alive and well and embrace lived up to its promises in a timely manner. Hadn't had a claim for quite a few years and was actually thinking of cancelling. Lucky I didn't
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4

out of 5

POSTED: | BY: TryNJoe

Easy to submit claim

Easy to submit claim. Not sure what the outcome is yet but so far so good
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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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