Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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: customer

very bad service they can not solve my…

very bad service they can not solve my claim I already sent them everything they ask me and it is as if they ignored me what a bad service
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1

out of 5

POSTED: | BY: Rob Hicken

My premium doubled in one year from $111.00 to went $206.00 and with that coverage was cut by 40%

My premium doubled in one year from $111.00 to went $206.00 and with that coverage was cut by 40%
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5

out of 5

POSTED: | BY: Ellen Blodgett

When I called up to ask a question…

When I called up to ask a question about my policy it was answered quickly .The person was both courteous helpful and professional . Whenever I call they are always this way.
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2

out of 5

POSTED: | BY: John Bowling

My honest opinion is embrace is fine if…

My honest opinion is embrace is fine if your dogs are young. I've had this policy for over 10 years and feel like I'm being ripped off as every year the premium sky rockets as my dogs get older. I also feel that something so basic, embrace seems to make so difficult. Example they ask you to send in the same receipt. Just feel like some things are self explanatory and they make it seem so difficult.
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5

out of 5

POSTED: | BY: Beverly

I had absolutely no issues with my claim

I had absolutely no issues with my claim for my cat's broken leg. The website was easy to use, issues with vet records were resolved by real people who actually signed their names to emails. There was excellent phone support which I used once. Practically all the charges were paid after the deductible, and everything went speedily.
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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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