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.
5

out of 5

POSTED: | BY: Leo Ruan

Quick and easy claim process!

Based on our past experiences and years of association with Embrace, we were at ease knowing our family member (Lhasa) could receive the care needed. Thanks Embrace! The claim process and payment were expedited and hassle free.
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1

out of 5

POSTED: | BY: Chris Luong

Fraud Ring within American Modern Home Insurance Company

Everything is a pre-existing condition even when explicitly stated by my vet that it isn't. Essentially a fraud company displaying itself as pet insurance. Shame on the underwriting company: American Modern Home Insurance Company
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5

out of 5

POSTED: | BY: Paul Karazija

Easy to work with

Easy to submit claims and extremely fast payment. Explanations of payment is excellent as well. I am very glad I chose Embrace!
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1

out of 5

POSTED: | BY: LSL

I have been with Embrace for over 18…

I have been with Embrace for over 18 years now. I use to ALWAYS give rave reviews about them. I've had good and bad claims yet I've understood how everything worked. For the most part, I have been generally happy.... Until NOW. I called to make a minor change in my policy and I was told that I had to CANCEL my existing policy and start over... My policy price increased 50% per month ($63 to $98) and the folks that you speak too are simply.....ambivalent to you... Ughhhh The ridiculous talking points.. "inflation" - - PLEASE... "its your zip code" .. Oh lots of claims where you live...... Whatever lie they are working off of at this time, as if we are completely ignorate on the other end. The company I use to love, now completely sucks. You don't give a crap about anything accept collecting and it shows.
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4

out of 5

POSTED: | BY: CinCin

Turned Around Time

The turn around time from when I submitted my claims was excellent. I do think that I should have been reimbursed for the X-ray.
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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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