Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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.
5

out of 5

POSTED: | BY: Richard Chu

Relatively fast responses to claims

Relatively fast responses to claims. Clear claims instructions. Wish I got more coverage since my cat got diagnosed with diabetes.
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3

out of 5

POSTED: | BY: ANDY R.

So far: unimpressed

So far, I am definitely underwhelmed. I have submitted several claims more than two weeks ago. I received a message that it was pending additional information… They said they needed vet history for the 12 months prior to the claim. However, when I signed up for Embrace, I informed Embrace, my pup was seven weeks old. I have spoken with a customer service representative about a week ago who said they had the information that they needed yet the status is still pending information.
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5

out of 5

POSTED: | BY: Katerina

Excellent and responsive pet insurance

Excellent and responsive pet insurance. I called them and received an immediate connection with a specialist who explained the policy to me and was able to lower my premium as requested to suit my needs.
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5

out of 5

POSTED: | BY: Lori White

I thank GOD & U every time I have an…

I thank GOD & U every time I have an issue or regular visit at the vet's with my NUGGETS/ dogs. I praise pet insurance and believe it is money(not too expensive) well spent. Thank You for caring
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1

out of 5

POSTED: | BY: Todd Stewart

My monthly rates went up 50% for the…

My monthly rates went up 50% for the new annual premiums. Every year it goes up by a few percentage which I can understand. But this year it went up 50%!
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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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