Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Joe C

I had not filed a claim in quite a while

I had not filed a claim in quite a while, and their procedures had changed...for the better. I called and asked a BUNCH of questions. I was treated with courtesy and respect, and the CS representative not only answered all my questions, but provided answers to a few I hadn't thought of. I've been able to easily submit my claim online with no issues.
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1

out of 5

POSTED: | BY: Sheila

I have had 2 claims and it has been 60…

I have had 2 claims and it has been 60 days they are still not complete when they received the SOAP medical history still want place under precondition. I frustrated and thinking about look for another insurance. I max out my wellness plan but still there no pull down menu for illness to submit a claim. They didn't cover exam fees, prescription drugs, and lab test.
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5

out of 5

POSTED: | BY: Kathy

Very satisfied

The people answering questions and concerns are very good. They listen, check on potential solutions and are quick with answers. Embrace has been very good for us and our sweet furbaby.
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1

out of 5

POSTED: | BY: Allyson Kiser

How in the world is vomiting a…

How in the world is vomiting a pre-existing condition? Dogs vomit for 100s of reasons but because he threw up one time when he first came home, it relates to him getting a bowel obstruction & is therefore a pre-existing condition. Insane.
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1

out of 5

POSTED: | BY: Josh Hansen

Never filed a claim/monthly rate doubled

I've been a customer for 3 years and never filed a claim because my puppy has been healthy so far. In that time my monthly payment has more than doubled. It started out at 51 now it's going to be $103 a month?? I've never filed a claim. I would highly recommend looking at other pet insurance companies as they have the same coverage for far less.
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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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