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.
5

out of 5

POSTED: | BY: CarolTheArtist

Fast reimbursement

Fast reimbursement, they cover everything they promised and don't give us a run-around. Very pleased.
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5

out of 5

POSTED: | BY: Sue

Customer service was very helpful with…

Customer service was very helpful with my situation and my concern was resolved
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5

out of 5

POSTED: | BY: Ruth Nelson

Thank You Embrace for always being there

Embrace has been a Godsend for me. I have a GSP that has had some allergy problems and stuck with through all of the tests and trials trying to find out what his issue was. It has been a very expensive process and I've had Embrace Pet Insurance for 7 years now and not once has Embrace ever let me down. They have covered so many charges, that had I not been insured with them, I really don't know how I would have had the options of testing that he had to go through.
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5

out of 5

POSTED: | BY: Paul

Very fast review and payment of claims

Very fast review and payment of claims. Very easy to talk to a human if needed, but website is also easy to use.
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2

out of 5

POSTED: | BY: Andrew

Punishing and price gouging if you need to use insurance

They used to be super great prices were reasonable but suddenly $100 increase on one dog after my other dog passed away. The started punishing me for having used the insurance. They claim its new state writings but i call BS. My dog is 8 years old and insurance for just her is $200 a month. If i were you i would check with trupanion instead. I cant switch because my dog had pre existing conditions but if i could i would. I also will not ever use this company again for my cat or any other animal that becomes part of my family.
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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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