Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Kirsten Freislinger Luehrs

Fair so far, easy to contact

I've carried Embrace Pet Insurance for 10 years for one of my dogs. Didn't have a claim for 7 or 8 years. More recently he's been to the vet more often and we've received benefits. Company seems easy to work with, pays claims quickly and has been fair so far. Easy to reach by phone as well. I'm still hoping our rates don't increase a lot, but it's hard to predict the future. Be careful with dental benefits they are limited. Policy is clear but I was a bit confused by it.
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5

out of 5

POSTED: | BY: Thom Howell

Claim procedure very good

Claim procedure very good
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1

out of 5

POSTED: | BY: Karen Valente

Not what you would expect from insurance

I have had Embrace for a few years and have never had to submit a claim, the only thing they did was increase my rate each year under the guise of my pet getting older. They don’t cover what you really need such as a yearly visit, vaccines and routine bloodwork or a dental cleaning. Plus you have to buy into a seperate plan for that. As your dog ages the premium goes up too. I have cancelled my policy and will be saving the $180.00 per month they just raised it to without the "extra"coverage" for the routine care. Also, be mindful of what states pet insurance covers because Embrace raised my rates and explained they did an inquiry of my state and said my premium needed to be adjusted because of where I lived and at that time raised it from $75.00/mo to $125.00/mo and I just was informed three days ago it will now be $180.00/mo. I was trying to protect my dogs health, but that didn't work. Don't be fooled by all the great ratings because they are all the same. I should have listened to myself before spending all this money for insurance I thought would be useful. Very disappointed in the way I got sucked in. The shelters and streets are full of animals people couldn't keep due to not being able to keep up with vet bills or the cost of pet insurance.
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5

out of 5

POSTED: | BY: Anant

very quick and easy submission

very quick and easy submission. Still need to wait for approval but the submission process is very easy.
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5

out of 5

POSTED: | BY: Monica Hernandez

Embrace Insurance has been excellent

Embrace Insurance has been excellent. From my initial conversation with a representative to selecting a plan, the entire process has been easy. I expected the part in which I had to submit a claim to be challenging but was surprised at how user-friendly their app is and finished my first claim within 5 minutes. Highly Recommended!
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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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