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.
Don't bother. They act like they care but really don't. Everything is a preexisting condition to these folks and won't pay out a dime. We've had much better experiences with other pet insurance.
I was paying them 2 years. But once I had a claim - they rejected it
My dog has damaged her leg. We went to an urgent care and did an X-Ray. Embrace Pet Insurance said they need a medical history from that urgent care. I never been to that urgent care before so we had no history there. Embrace said it will take longer time to process. And they never paid the claim off. Why do I pay them if they don't do their job? I regret that I was paying them for 2 years.
5
out of 5
POSTED:
| BY: Alexandra Nicole Uy
I love this insurance
I love this insurance. The agents are very helpful, and I feel like my pet is taking care of. Having this insurance makes me worry less.
People should be aware of the way Embrace does business. Here is some context: My dog is 6ish- I got insurance for her about 4 years ago. She has no preexisting conditions, is not on any medication, and I have never filed a claim with Embrace. The premium for the first year of coverage was low (for my dog, it was $33 for the year). The second year it went up 30% to $43/month. The third year (2020) , it went up 95%. Yep, you read that right. My new premium was $85 a month- my reimbursement rate was 80% and my deductible was $750 with a max payout of $10k. The company sent out a letter claiming that they apologized for such a large increase in premiums, that they had their book of business reviewed by actuaries and needed to make adjustments. (I would be willing to bet that a lot of other people have received this letter... but at different times, not just 2020- some 2 year customers problably got theirs this year) I increased my deductible and lowered my reimbursement rate so I could afford the premium which I got down to $63 a month. This year, they have increased my premium again 24%, up to $78.30. I cannot make my deductible any higher, but I did lower my reimbursement rate, once again to get it back down to $62.00 a month. If I got to the Embrace website and request a quote as a new customer, I get a quote of $33 a month. The same rate I had as a first year customer... strange.
The company blames everything but themselves when you complain about the premiums: the state you live in, how the Department Insurance doesn't set caps, etc. They know what they're doing is shady. I really hope people will stay away from Embrace. If this review deters just ONE person from buying a policy with them, I consider taking the time to write this, a win.
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 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.
