Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
4

out of 5

POSTED: | BY: Martin Torres

Timely handle of claims

It took the insurance a while to get started paying our claims but once it started they have been on point. We have an eight year old dog and unfortunately have developed stomach/GI tract issues.
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5

out of 5

POSTED: | BY: Doris Burns

Embrace app - A+

Using the Embrace app to file a claim is so easy! Claims are handled very quickly and professionally.
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5

out of 5

POSTED: | BY: michelle berentz

I had to make a claim for the first…

I had to make a claim for the first time and can say how impressed I am with the entire process. It was flawless. Having pet insurance def helped a very stressful time be less stressful ! Definitely recommend Embrace
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5

out of 5

POSTED: | BY: Kathy Benedetti

They kept me informed as they were…

They kept me informed as they were going through the steps of my claim.
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1

out of 5

POSTED: | BY: Brett

Stay away!

Do not recommend. I think their high reviews came from a few years ago and they’ve since changed their business practices to hike up their rates for returning customers just to make more money. We followed advice to get pet insurance when our dog was a puppy because we were told we could lock in lower rates before he has any pre-existing conditions. We were told by embrace to expect a couple percentage points increase in premium year over year. In fact, our monthly premium went from $32 to $56 to $84. And that’s with a $1000 deductible still!! When it raised the first time they said that was a rare increase due to rising vet costs and not at all typical and then the next year it’s raised even more!! Our dog is only 3 years old and is not a pure breed that might have genetic issues. We have not moved locations. Why would we pay $84 a month for our healthy 3 year old dog? STAY AWAY! Just set aside money for your pet in case something happens.
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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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