Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: DONNA

This is the best thing I could have ever done for my boy and I.

Having pet insurance gives you the peace of mind knowing if anything ever happens, I have help in getting care for my boy! I recently encountered an ER visit with my boy (1st time ever in my life having to take a pet to ER) all I can say is the peace of mind knowing I have this in place is the most reassuring thing to ease my mind and help my pocketbook! Thank you EMBRACE!!
5

out of 5

POSTED: | BY: Cheryl

Excellent service

Excellent service! Speedy claim processing
3

out of 5

POSTED: | BY: Maisy

Great in theory, not so much in practice

I originally signed up for Embrace because it was the best coverage for the price available. I've been disappointed since then - it is a real struggle to get in contact with Embrace: I often have to send them 2 or 3 or even 4 messages before I get a response (although I will say, when I do hear back, they are very polite and try their best to be informative!) My biggest issue is that claims I have submitted for my dog a month ago still have not gone through, because Embrace states they don't have a record of my dog's full medical history; however, I have sent them a record of every vet visit my dog has had in her whole life (she's only a year old!). Additionally, the premium increased by 20% ($10 more PER MONTH!) when it was time for me to renew. Lastly, I once submitted a medical history review for my older cat to make sure she didn't have anything that Embrace would consider "pre-existing conditions" - despite multiple follow ups on my part, Embrace never completed this review. I hope they will improve their service and their prices will not continue to increase at such an outrageous rate, or else I will have to go elsewhere!
2

out of 5

POSTED: | BY: Maisy

Great in theory, bad in practice :(

I originally signed up for Embrace because it was the best coverage for the price available. I've been disappointed since then - it is a real struggle to get in contact with Embrace, and I often don't hear back for weeks (although I will say, when I do hear back, they are very polite and try their best to be informative!) My biggest issue is that claims I have submitted for my dog a month ago still have not gone through, because Embrace states they don't have a record of my dog's full medical history; however, I have sent them a record of every vet visit my dog has had in her whole life (she's only a year old!). Additionally, the premium increased by 20% ($10 more PER MONTH!) when it was time for me to renew. Needless to say, I will not be renewing with embrace!
5

out of 5

POSTED: | BY: natalie

It was a pleasant experience

It's a pleasure to do business with Embrace . Lovely people to help you out with and question,s you have for them
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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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