Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Ron S

Embrace takes care of business

Embrace takes care of business. I had family members paying thousands of dollars in Vet bills so I decided to investigate pet insurance for my dog, Luna. Embrace consistently scored high marks in product reviews and customer reviews so I purchased a policy. Unfortunately, A cancerous Lesion developed on Luna's Snout. It had to be surgically excised and biopsied. Embrace handled every bill in a professional and timely manner. In fact all claims were processed within a week of submitting the invoice. Thank you Embrace!!
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5

out of 5

POSTED: | BY: Loraine G

Refund Vet bill.

Our dog Casey got pancreatitis....the Vet bill was 1450.00. We submitted our claim and received a refund 1 week later. It is worth the cost for the great care of our dog.Thank you Embrace.
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1

out of 5

POSTED: | BY: Joe Conte

Beware of loopholes

Beware of loopholes. Payed them a lot of money for ZERO reimbursement when we honored and were honest about our end of the agreement
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1

out of 5

POSTED: | BY: Leann

Outrageous premium increase!

I was just informed that at renewal our monthly premium will be increasing nearly 78%! In 3 years, I have submitted 0 claims on my insured cat, and 2 claims on my insured dog totaling under $1000 in reimbursement. Their justification is "veterinary inflation", but I have not seen an over 75% increase in veterinary prices. This is price gouging and taking advantage of people who love their pets and will likely just continue paying these ridiculous prices in the event of a costly illness or injury. If we made adjustments to our policy (as they suggested) such as higher deductible, lower annual maximum reimbursement, and lower percentage of reimbursement, it almost guarantees that we would not see any benefit from the insurance unless our pet was having a major surgery or extended hospital stay that exceeds a $500-$1000 deductible. The customer service rep I spoke with made no effort to keep me as a customer when I mentioned I would be shopping around for other carriers and possibly canceling.
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2

out of 5

POSTED: | BY: Ricky Barbera

Not very happy with my recent claim

Not very happy with my recent claim. It’s been a month and I spoke live with a representative that said they confirmed everything was fine to proceed. Then I get an email it’s on hold because they want the documents again??
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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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