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.
5

out of 5

POSTED: | BY: Arthur L Lyons Jr

Embrace insurance is doing their job…

Embrace insurance is doing their job very well. This has been the first experience in filing a claim and the transaction is going very well. Telephone representatives have been very helpful and polite as would be expected. An outstanding experience to date.
5

out of 5

POSTED: | BY: sa

Excellent and Trusted

Excellent , been with them for about 10 years now and never had 1 problem . Thank you embrace and they also care about your pets and the have there own pets in the office :)
1

out of 5

POSTED: | BY: Christina Tecce

Our cat died and they increased our premium 40%

For the past year we have been extremely happy with our Embrace Pet Insurance. As a family with six cats, we were impressed with how quickly Embrace responded to emergencies once the initial claim is processed. When our beloved cat Rutabaga died, we were reimbursed nearly $9,000 of what turned out to be his end of life coverage fairly rapidly. Unfortunately, our experience renewing our insurance has not been similarly pleasant. We were shocked to find our policy had increased from $80 to $113 per month for 5 cats. The only claim we made (that was covered) was Rutabaga's inoperable tumor. We have spoken to customer service twice about this, and no one was receptive to our complaint – probably because it is obvious that we’d be on the hook for new pre-existing conditions if we were to change insurance providers. We strongly recommend thinking carefully about who you get your pet insurance from. The last thing we expected was our other cats’ premiums would increase so much after losing our Rutabaga.
5

out of 5

POSTED: | BY: Carla hart

Would Highly Recommend

I am so pleased with my experience with Embrace to date. Once the initial set up is done and the vets have all given the necessary information, the process with Embrace is so quick and efficient. The choice of plans is amazing. I would highly recommend.
5

out of 5

POSTED: | BY: Cynthia Rooney

Great Company

I have had embrace accident for 5 yrs. I never needed them until my dog got skin allergies about 3 yrs in. Then was diagnosed with a heart defect at 4.5 yrs. I would never been able to afford her surgery without them. They were awesome, and my baby is healthy and happy at 5 yrs old.

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 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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