Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: CSJG

Been with Embrace for 8 Years

I switched to Embrace in 2016, after a bad experience with another pet insurer. I have 2 dogs and a cat. I signed up with them initially because their website was very well designed; I was able to find the answers to every question I had. I've stayed with them because they are fair, transparent (meaning the website will tell me if my claim will be covered), prompt, and responsive. I have not had a bad experience with Embrace in all this time. I recommend them to everyone I know with pets.
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3

out of 5

POSTED: | BY: Amy Wukotich

Unsure about pet insurance

Be warned, your first claim will take FOREVER. I heard from friends that subsequent claims are faster, but that remains to be seen. Much is excluded. I only got insurance in case of a huge unexpected expense. Hopefully that won’t happen but still not convinced that insurance is preferable to just setting aside a pet savings account. I’ll run the numbers at the end of the year & ponder it.
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1

out of 5

POSTED: | BY: maritza cano

his insurance company basically tries to find an excuse not to pay a claim…

This insurance company basically tries to find all the possible ways not to reimburse you. I provided all documents requested and yet the continued giving me the same answer, worse so they want to label my dog with a pre-existing condition when he doesn't have any. My dog was given to me in January with a clean bill of health by the breeder's vet and in Feb he got sick due to the changing of food and they call it pre-existing condition which is not.
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3

out of 5

POSTED: | BY: Carolina Despradel

the good and the bad

Good about the company is that since I got them through Geico, they are reliable, but the company should be more clear using a more friendly way to explain the insurance policy and process. Also it takes too much time to get refunds which are not always refunded, but added to your deductible.
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5

out of 5

POSTED: | BY: Luchania Tannreuther

It is very easy to file claims

It is very easy to file claims. Customer service has been great. They explained everything and were very friendly
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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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