Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Adam Rosen

Raised my premium almost double

Raised my premium almost double. Never had a claim paid out so don’t understand why. They gave me some excuse about costs being higher in the area which obviously doesn’t compute for my policy doubling. How much will it be the next year or year after that.
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3

out of 5

POSTED: | BY: Wendy Brafman

repeated requests for documents.

repeated requests for documents.
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5

out of 5

POSTED: | BY: Holger L

I endorse them

I did a lot of research before deciding to go with Embrace Pet insurance for my 1 year old rescue. The deciding factor was that Embrace pays based on actual charges not on national averages for any given service provided. I have sine had two claims that were promptly processed and approved. Their website and app make it incredibly easy to file a claim etc. I am very happy with their service.
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1

out of 5

POSTED: | BY: Terry Hayes

Unhappy with this insurance company

Unhappy with this insurance company. Almost every vet visit is classified as “wellness” . Coverage is limited to $250. So essentially we are paying $600 a year for $250 of coverage. We are considering dropping our policy.
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5

out of 5

POSTED: | BY: Jessica Faraone

My pet had to have an unexpected and…

My pet had to have an unexpected and expensive surgery and it was covered. They reviewed the documents in a timely manner and issued a refund. I also called customer service with a question and they were great! I highly recommend this company.
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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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