Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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.
3

out of 5

POSTED: | BY: Ray Pool

Costs went up after one year

After one year with Embrace for a dog and two cats with NO claims for coverage, my costs for insurance went up 50%. Stopped coverage immediately. Seemed a little like bait and switch.
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1

out of 5

POSTED: | BY: Dee Braaten

Indication of Service

When I called for information, the person I got acted like he was doing me a favor and was rude. As a result, I went with another company.
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2

out of 5

POSTED: | BY: Tony Jarona

Filing claims is very frustrating

Filing claims is very frustrating. I always have to submit the same documents up to literally 5 times! When I call they look at them and clear them but a couple days later they send an e-mail requesting it again. They close larger claims to pay out smaller in hopes you don’t max your coverage. This was my second year and most likely my last.
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5

out of 5

POSTED: | BY: Shannon

easy to submit

easy to submit, minimal work, striaght forward
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5

out of 5

POSTED: | BY: Deb

My oldest Sheltie crossed Rainbow…

My oldest Sheltie crossed Rainbow Bridge unexpectedly. The customer service representative I talked with was extremely help and respectful. She answer my questions and took care of my issues. A few weeks later I received a great biodegradable card with embedded wildflower seeds that I can cut into strips to plant in memory of my sweet boy. What a wonderful gesture. ❤️
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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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