Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Jim Hohl

Smooth claims process and reasonable rates - a true lifesaver

Our cat has cancer and embrace has covered literally everything from procedures and meds - with no questions asked for a year and a half. Our little one’s issues started coming up just a year into our policy and they renewed us a year later with only a tiny bump in premium after reimbursing in the 10s of thousands of dollars. They’ve given us precious time with our too young little girl and made a very tough time a lot less stressful. I constantly recommend Embrace to every pet owner I know.
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2

out of 5

POSTED: | BY: Delores Nieboer

Ridiculous, up $100 a month from last year!

Pretty good customer service. Turn around time for reimbursements generally quick. The problem is the high increase of premium this year. GSD 8 years old. Pretty healthy overall. I believe that since he gets monthly shots and needs checkups for arthritis they increase payments more. Premium was raised almost $100! We had to greatly decrease our coverage for him to be able to afford it. Went from $200-$500 deductible. Dropped max yearly from $10,000 down to $5000. Went from 90% payback down to 70%. Seniors on a fixed income but we may end up not being able to keep up payments. They will do the same thing to us next year! We have it in case of emergency too, but it seems we are paying more than what we would pay out for him without this insurance. Also they told me once we decrease we cannot increase again. Well, who can afford to anyway. We are being penalized for actually using the insurance we pay for. It's not right! We will not refer anyone to Embrace! We feel price gouged in a big way... no matter Embrace's reasoning for it. When it comes to dog insurance or groceries it is time to cancel. Hence the 2 stars.
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4

out of 5

POSTED: | BY: Timothy Fulks

It is really easy to file a claim

It is really easy to file a claim, but the verdict is still out on how long it takes to get reimbursed.
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5

out of 5

POSTED: | BY: Jeanne Hathaway

Gary was very thorough and explained…

Gary was very thorough and explained how everything works. This is the first time we have had pet insurance. So far we have been very pleased.
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1

out of 5

POSTED: | BY: Gabriel Mateos

Coverage was horrible for the price…

Coverage was horrible for the price paid. The prorated premium was not returned. Hey, Embrace, what will you guys be using my unused premiums for? Hope you have fun at your employee party! You guys are thieves!!
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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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