Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: Craig K.

Stay away. Had a 64% premium increase after the first year!

Very frustrated that after my 1st year with the company my renewal premium went up 64%. I only used the wellness rewards claims and didn't even submit any other illness-related claims. I expect and understand a modest increase but a 64% increase is crazy and the only option they provided to reduce the cost was to reduce coverage.
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2

out of 5

POSTED: | BY: Stephen Arnold

Seemed like a good pet Insurance but…

Seemed like a good pet Insurance but they are so picky on what they insure. Q
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5

out of 5

POSTED: | BY: Sean Biggins

Easy and Low Stress Claim Process

Aside from my dog actually being sick, the process of filing a claim was easy and painless, which kept our stress level from going up, and we got reimbursed in a very timely manner with no drama. Whenever I needed to speak with someone on the phone the wait time wasn't terrible and the person was helpful. Fortunately my dog is now back to his old self again.
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5

out of 5

POSTED: | BY: Chris

Kind and compassionate personnel

Our cat Sandy recently passed away and Embrance was so compassionate and helpful to me during this time. I've also recently filed a claim for our dog, Icee and the turnover was incredible. I've been very impressed by this company. The personnel there are so kind and helpful. I highly recommend Embrace Pet Insurance
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5

out of 5

POSTED: | BY: Cecilia

Very Helpfull

Very Helpfull when called for assistance. Once logged in, the site was very easy to follow.
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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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