Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Luke Funk

Be Aware 40% increase every year

New Customers, BE AWARE!! Rates went up 40% at first year renewal. No details to why, just that they see this increase every year and it happened to all customers! Which is BS, because you go online and the rates didn’t increase for new customers. Isn’t insurance regulated like regular health insurance? Embrace does this, while other carriers follow state guidelines which can only raise their rates if they do it for all.
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5

out of 5

POSTED: | BY: Ellyn

Filing a Claim

The claim process is very easy. I am very glad that I opted to purchase this insurance for my cat. I would recommend to others.
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4

out of 5

POSTED: | BY: Abigaile MCG

New customer

New customer! I am a new customer and new to pet insurance. I felt like my experience with both submitting a claim and working with the customer service representatives was fantastic!! They gave clear and understandable instructions and feedback to any questions I had throughout the process. The only downside is that it took over a month for my claims to be reviewed and to received my refunds. Other than that, great experience!
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5

out of 5

POSTED: | BY: Sherry Garey

We have been so pleased with Embrace…Embrace is Five Stars all the way!

We have been so pleased with Embrace Pet Insurance! Our claims have been processed quickly and they have kept us updated during the process. We would highly recommend them!
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5

out of 5

POSTED: | BY: Lucy Goodkin

My first experience with Pet Insurance

I have had my Embrace policy for almost 10 years. Fortunately my dog was never sick. Until she was. We were away from home and I have to take her to an emergency vet in California. Embrace was responsive and easy to deal with. They settled by claim quickly with very little paper work. Thank you Embrace.
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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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