Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
2

out of 5

POSTED: | BY: Neil Fox

NEVER filed a claim in over 2 years

Update- I finally filed a $45 claim and they have it on old waiting to review the last 7 years of my pets vet records. It’s been over 2 years for you to review the records but you only do so once someone finally files a claim???? NEVER filed a claim in over 2 years. Policy is now renewing and they almost doubled the monthly rate. Called and asked why they would double the rate when I never even filled a claim. Rep said the rate will go up 25-35% EVERY year on average and this year was just much more. Wow. How is a 25-35% increase every year sustained for anyone.
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5

out of 5

POSTED: | BY: A. Harris

Embrace customer for life

Embrace customer for life. Super easy to submit and file a claim and made it through with no issues. It’s already a very stressful time with my pupper being I hired but not having to hassle or go back and forth with an insurance company is such a blessing. Very grateful I chose this insurance company.
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5

out of 5

POSTED: | BY: Shayne

Embrace is fantastic!

Embrace is fantastic. No problems at all with reimbursement for covered injuries.
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3

out of 5

POSTED: | BY: Ashley

I sent multiple emails regarding dental…

I sent multiple emails regarding dental cover and why it did not pay for the tooth extraction and got no response.
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5

out of 5

POSTED: | BY: Mary Badame

Excellent

I have no complaints. I followed the Emrace instructions when I first signed my 3 japanese chins on. I am completely satisfied with my coverage, their customer service is excellent and everything is explained when I have questions. They paid me in full on every reimbursement when I reached my deductible!!! My claims go through within 10 business days and I like the $50 bonus bucks if I don't sumbit a claim. Embrace is a win win for me and my girl's
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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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