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: Mike M

Continuously raising my rates for no…

Continuously raising my rates for no reason. No claims in 9 years and now at $123.00 a month for a single dog. Not even a shot plan or anything just emergency coverage essentially. Representative blamed it on inflation. Definitely looking to change. Pathetic.
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5

out of 5

POSTED: | BY: Holly

very easy and simple instructions to…

very easy and simple instructions to follow. not stressful at all!
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5

out of 5

POSTED: | BY: C. Conklin

My Claims Experience

My first submission of three claims was processed and paid in a week or two. When I had a question after it was paid customer service got back to me the same day acknowledging receipt of my email. I heard from them with an answer to my question about two days after that. My second submission of three claims for the same injury was paid the SAME day it was submitted. That is prompt, and efficient customer service. I would recommend them.
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5

out of 5

POSTED: | BY: BP

Attentive & Stand by their word

Attentive & Stand by their word
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1

out of 5

POSTED: | BY: Gabi Dennison

No response

I never got a response I contacted the company over seven times no response I would never recommend this company to anyone
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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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