Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Andy Torres

Embrace Pet Insurance Finds Another Money Grab Opportunity

This company has chosen to act like a money grabbing company like the rest. Embrace pet insurance has chosen to increase my monthly insurance premium because I changed addresses. We recently moved approximately 7 miles from our previous address and Embrace feels that the new zip code comes with an increase in veterinary costs. I don't know about all of you, but I don't change vet services based on my zip code. My vet stay the same, my veterinarian emergency treatment stays the same, the food I feed my dog stays the same,..... In no way does our moving justify a 10%+ increase in premium costs. I have consistently paid between $150.00 and $325.00 premiums per month for coverage for each of my 5 dogs over the past 15 years and this is how they want to treat their loyal customers..... I called and was told that "our system is setup this way and there isn't anything I can do about the increase". Thanks Embrace!!!
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5

out of 5

POSTED: | BY: Victor Gomez

Great pet insurance definitely highly…

Great pet insurance definitely highly recommended.
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1

out of 5

POSTED: | BY: Patrick Moore

Unprofessional

Asked a ton of questions then told me they weren't writing any new policies in my state, sorry, goodbye. That was it. Totally messed up
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5

out of 5

POSTED: | BY: Lisa

Easy to make a claim - timely payments

It is always very simple to submit a claim and the response is always timely as to when the claim payment gets deposited into my bank account.
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5

out of 5

POSTED: | BY: Karen FUller

We just signed up

We just signed up, but are pleased so far.
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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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