Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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.
2

out of 5

POSTED: | BY: Dan

Good for the first year

Was a decent company my first year with them. Didn’t have any major claims for either of my dogs. Had some of the top coverages selected. Was paying just over 100 for both dogs. Then, renewal time comes around and my policy shows a rate of 43% more for having no claims etc. I call to ask why and am told because the price of everything is going up including vet prices, the amount of claims being submitted by others, and just because. No thanks. You were the more expensive option when I was first shopping. The only reason was you had decent reviews. Time to go elsewhere.
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2

out of 5

POSTED: | BY: Diane Zyskowski

This information requested by both Vets…Yes both vet gave information

This information requested by both Vets where sent to embrace for hans fecal being my other dogs was sick and I wanted to make sure Hans did not get it but embrace continued to ask the Vet for the findings. I call lakeview and they assured me the request was done. Not sure why they are saying they are still reviewing the claim because you have all the information request
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1

out of 5

POSTED: | BY: customdrills

Everything is a pre existing condition

Everything is a pre existing condition. When I first got the dog she had mange. Now every skin condition is excluded, even eyes and ears. She’s overweight, so anything related to being overweight that comes up in the future is excluded. Simply put, they wiggle out of paying claims. Had it for over a year, not one cent paid on claims.
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4

out of 5

POSTED: | BY: Ryan Mckenzie

my first experience was pretty good

my first experience was pretty good. My first submission took quite a bit, but I guess this is normal all in all was pretty good service.
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5

out of 5

POSTED: | BY: Kathy Mcmicken

Love this company

Love this company. Ease of claim and fast response.
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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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