Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Jeff Bell

After 17 years, our premium triples to $10,000

We have had Embrace Insurance for our dog, Hugo, since he was 6 months old. I have been very pleased with the coverage for 17 YEARS until this past week when I received his Renewal of Policy. The premium of the policy has increased from $3,000 a year to $10,000 a year. Hugo is 17.5 years old. Because of his age Hugo is not a candidate for surgery (anesthesia) or any invasive procedure. This is a coward's way of cancelling us. We are being penalized for taking such good care of Hugo and the fact that he is a Geriatric dog. The explanation is that TOO MANY PET OWNERS IN SEATTLE HAVE PET INSURANCE!!
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5

out of 5

POSTED: | BY: Wade Reibsome

I have been very satisfied with Embrace…

I have been very satisfied with Embrace so far. My boy Toby would recommend Embrace to all.
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5

out of 5

POSTED: | BY: Deanne Wojtas-Beeman

Superior Coverage

I have been with Embrace for over 13 years. I have multiple pets covered with Embrace. Unfortunately some of my fur babies had been very sick. Embrace has promptly paid claims, therapies, medication and hospitalizations. The customer service is compassionate, knowledgeable and understanding. If it wasn’t for Embrace I fear I would have lost my darling fur babies earlier. Embrace has been amazing.
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5

out of 5

POSTED: | BY: SWODOG

Quick review and feedback is awesome!

Quick review and feedback is awesome!
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5

out of 5

POSTED: | BY: Maryellen Canuel

So easy

Submitting the claims through the app was so easy. And the updates provided were succinct and timely.
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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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