Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Patrick Maynard

Vet treatment for ear infection was…

Vet treatment for ear infection was disallowed because it was determined as an office visit. My dog is now back at Vet because infection got worse...we'll see if this claim is also rejected...
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1

out of 5

POSTED: | BY: Michael Camilon

What am I paying for?

So not only did the company significantly raise their prices, providing terrible excuses as to why, the first time we actually submitted a claim, that was a significant emergency for my dog, they practically didn't cover anything. I'm damn near paying for their highest coverage, only to not have nay of my dogs bil covered at all. Nearly $1200 bill and they covered $75.00 of it. With the ridiculous cost of the deductible fee and the significant increase to my monthly bill, I'm heavily considering canceling my account. I would honestly probably be saving money that way. If I could give no stars I would.
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5

out of 5

POSTED: | BY: Mike

Easy to use and very quick

Easy to use and very quick
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4

out of 5

POSTED: | BY: Deanna Kedich

Direct deposit issue resolved

My claim showed that it was paid via direct deposit over three weeks ago. No sign of the deposit. I called to inquire and was told the billing department would investigate. After a couple of additional days the claims was paid. I'm not sure what happened. Hopefully, the direct deposit will be smoother from here on out. No other issues after almost 7 years.
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5

out of 5

POSTED: | BY: Keith Burgess

We switched to Embrace a year ago after…

We switched to Embrace a year ago after the company we had almost doubled their rates. You hope to never have to use the insurance, however our dog became ill this summer with Poly Arthritis. Through numerous claims the last few months, Embrace has been excellent to deal with. Claims are easy to file, and Embrace is quick to process. I highly recommend this company when it comes to pet insurance.
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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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