Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Heather Hamel

Buyer Beware

Buyer Beware - I wish I could give less than 1 star. This was my first experience with pet insurance and it was an eye opener! When I submitted claims to prove I had met my deductible, within 24 hours I received notification for my renewal, which was over two months away - at an increase of nearly 40%. When I called to question, I was told that a 40% annual increase was 'normal'. I never actually intended to file a claim, only prove my deductible had been met in case I needed to file a claim and EVERY SINGLE claim I filed to prove this was disputed and denied even though I had the vet complete Embrace's forms. Embrace looked amazing on paper but I don't think they ever would have approved any of my claims.
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5

out of 5

POSTED: | BY: Jane Viera

Great experience they are very helpful…

Great experience they are very helpful and always want to help you.
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4

out of 5

POSTED: | BY: Julie Nozaki

Submitting claims is always easy

Submitting claims is always easy but it seems like more often lately they say the invoices are not legible. yet I send the same one again and it is. Almost like they are trying to make it difficult. Otherwise I am super happy with them
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5

out of 5

POSTED: | BY: Debbie

I will comment for a laugh

I will comment for a laugh. 2 of my dogs developed kennel cough. I filed the claim, and when I saw I was getting a $3.98 refund I was taken a back. I thought I would get the 80%……I forgot about the deductible 😂😂😂😂. Now that that’s out of the way….Never have I ever had a problem with Embrace
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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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