Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Susan

Graycie injested a metal object

Graycie injested a metal object. She became very sick and was in and out of the animal hospital for two days having blood work and xrays done. Embrace reviewed approved and paid for the all the procedures in a very timely fashion. I'm pleased to report that Graycie is better.
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1

out of 5

POSTED: | BY: customer

Dosappaointed

We’ve been with Embrace for a year for our 10 yr old cat; we didn’t have a single claim. Despite this our premium jumped 150%. When I called to check why it jumped so much, I was told the underwriter determines premiums and they get WA state approval before they post the new premium. I wonder if the tactic is to just use a good quote to get customers first year, then increase premiums the following years? Note: my pet had no preexisting or any illnesses. I’m now shopping for a different company.
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5

out of 5

POSTED: | BY: Michael Chojnacki

Outstanding claim service and prompt…

Outstanding claim service and prompt payment! Very easy to file claim.
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5

out of 5

POSTED: | BY: Jose Muinos

Embrace was responsive to all my inquiries

Embrace was responsive to all my inquiries. Once they had all the vet files, it only took 18 days for reimbursement.
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5

out of 5

POSTED: | BY: Patrick Quinday

Quick and Efficient

Submitted my claim the same day we visited the vet after an X-ray was needed for our dog. We received a response back from the Embrace team the next day that our claim was approved and reimbursement was on its way after providing the supporting documents!
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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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