Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Melanie Drazkowski

Wonderful service from Yunelly

Wonderful, personalized professional service from a caring professional - her name was Yunelly. She explained to me that if I did nothing, our two cats that are now 14 years old would be having a near double increase in their monthly premium. She went over alternatives and how to reduce the premium and explain how come the rate was going up? I kind of understood why most of it was going to be, but I really need to be honest was a bit shocked at the amount of increase! You have to admit we really treat our babies like humans anyway it’s pretty much the same cost as a human healthcare insurance when they get older. Anyway, she was wonderful and help me make a decision on how to move forward.
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2

out of 5

POSTED: | BY: James Lynd

Frustrating when the exact diagnosis is…

Frustrating when the exact diagnosis is not listed. Also the review function would not let me review my submitted invoice and would only display the circle of confusion.
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5

out of 5

POSTED: | BY: Lauree Morton

Easy to submit claim

Easy to submit claim. Clear directions.
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5

out of 5

POSTED: | BY: Pablo

Very easy to use

Very easy to use, check or file a claim.
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3

out of 5

POSTED: | BY: Craig Hunnewell

Not satisfied in continuing with Embrace

My dog had to have a tooth removal and a representative told me it was probably covered up to 75%. Embrace didn’t support 1 %. Also, an upgrade in coverage cost doubled.
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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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