Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
4

out of 5

POSTED: | BY: Del

Refund/claims

They have been quick about refund wellness credits however are being more difficult about getting claims resolved and reimbursed. Have submitted multiple claims and continue to say forms are not legible. They are very clear and legible.
5

out of 5

POSTED: | BY: Darlene

One less worry

My vet had discovered a soft tissue sarcoma on my kitty girl. The news was unexpected and surgery was required. I was worried for my girl's health and the outcome. The one thing I didn't have to worry about was the expense of her care. Embrace was there to help.
1

out of 5

POSTED: | BY: Sheanneen Shelby

The entire point of an insurance company is the payment promise for protection. Period!

Policy completely changed to the benefit of the with the bare minimum notice to me. Apparently I got an email saying that the policy was going to change from $50 off the deductible for every year my pup was healthy (why I choose this plan) to a MAXIMUM of 10% off the premium. Anyone who can do basic math knows that these two numbers are absurdly different. Now, I am grandfathered in by my dog's age but they tell me that I can happily leave!?! I should have been grandfathered in. We are getting treated worse and worse by companies for the sake of stock holders and it has to stop. It has gotten bad that to speak a against it is a political agenda and not because you simply want to be treated like a fellow human. You simply noticed because you "do math good" and found it upsetting. Do not do business with this company. I was told not to, I went for the promo, and look where it got me 3.5 years later. Your pet is a member of the family and with more than shiny discount. If they will do this now, what else will they do is later.
5

out of 5

POSTED: | BY: amanda

Easy to file claims and get re-imbursed.

Easy to file claims and get re-imbursed.
5

out of 5

POSTED: | BY: Yvonne Weller

Very friendly and helpful each time I…

Very friendly and helpful each time I called. Spent time with me explaining what I need. Thankyou so much! It's hard for me at my age doing anything on the computer. They were so pateint.

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 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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