Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: G Morgan Timmis

Terrible experience

Terrible experience. Very unclear policies. Never had a claim approved. Went out of their way to deny them. Canceled after about 7 or 8 months. Total waste of money!
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1

out of 5

POSTED: | BY: Lydia

Useless Pet Insurance

I recently submitted a claim for a vet bill I received when my pup got sick. Pet owners know how expensive vet bills are. It took Embrace over two (2) weeks to process. I called the customer service line and was on hold for 40+ minutes before speaking with a representative. I was received less than 1% reimbursement for the claim. It didn't even cover the taxes. I am very disappointed in Embrace's coverage. It's unreasonable and unfair. I am shopping for a new pet insurance. I do not recommend. It's useless.
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5

out of 5

POSTED: | BY: Tami Bone

I've been so happy with Embrace Pet…

I've been so happy with Embrace Pet Insurance for my two beloved Maine Coon cats. I would recommend them to anyone who has furry family members.
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3

out of 5

POSTED: | BY: Jason Gill

Rates Go Up But Not Benefits

Rates Go Up But Not Benefits - They offer a generally comparable product, however the rates increase every year. At first this didn't bother me as they were only going up $3-4 each month a year, but suddenly it is skyrocketing. Almost a $20 per month increase. I already reduced coverage a few years ago since rates kept creeping up, but it was just too much. You can find the same or better coverage elsewhere for less. Rates more than tripled in the past eight years (with zero claims).
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4

out of 5

POSTED: | BY: Janice Vales

First time claim submission for Embrace

This was my first time submitting claims for both of my cats to Embrace. Their online form was easy to submit the claim. However there was some confusion because of our having moved and changed vets. When I sent emails to clarify which vets provided treatment it didn't seem like anyone read them. I called and spoke with an agent to clarify the situation and then it seems like the information got to the adjusters. So overall it worked out fine but it wasn't exactly seemless.
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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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