Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Rachel Myers

50% increase on premium with NO claims!

Things were going well, I had my policy for 4 years with zero claims (2 dogs). I just received my annual reenrollment letter stating the new premium. The premium would be increasing by 50%! $800/year up to over $1200/year. This is outrageous and unacceptable. I cancelled my policy the next day.
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5

out of 5

POSTED: | BY: Gerald Wilkes

fast claim service

fast claim service - clear EOB. Simple on line process with exceptional well designed web site.
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5

out of 5

POSTED: | BY: Steven

Easy to upload and submit a claim

Easy to upload and submit a claim. Will add further review once claim is complete
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5

out of 5

POSTED: | BY: Kim Henning

Very Responsive

Embrace has always been very responsive. They have consoled us on the loss of our cats and paid invoices for our cats' care promptly.
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3

out of 5

POSTED: | BY: GAYLE Battaglia

After much research, embrace was a mistake.

Most claims were rejected even with the extra coverages purchased and customer service was unhelpful or non responsive. Enrollment took forever due to lack of follow up on their part. The best experience I had was with Clay when I cancelled my policy this week.
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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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