Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Caitlin

Couldn't ask for better service!

I signed up for pet insurance about 2 years ago for my terrier mix when she started to show signs of aging. Embrace Pet Insurance was the best choice I could have made; customer service was always kind, informative and quick to respond, submitting claims and receiving reimbursement was easy and quick. Unfortunately, Shelby had to be put down in April, and when I notified Embrace, they were so kind, it was like family. They sent cards, helped with reimbursement for all her care and euthanasia, and waited as long as I needed to close her insurance policy. I'm still blown away by how kind and helpful everyone at Embrace has been. If you need pet insurance (which I HIGHLY recommend and wished I had done sooner), look no further than Embrace!
5

out of 5

POSTED: | BY: Samuel Torres

E

Embrace insurance is wonderful. The process was simple and easy and I received my refund quickly. I highly recommend Embrace.
5

out of 5

POSTED: | BY: Claudia Kneitinger

Seriously

I ensure 6 dogs. Until just recently I've been pleased. But now I can only say--- 35 percent increase. Seriously!!!! Starts low,goes high. Way to ruin a day! Still better than some,but u won't stay that way doing that.
1

out of 5

POSTED: | BY: Curtis Adams

Dont do it - just more big insurance games to take your money and not pay off on claims.

Had embrace insurance for 2 years. In April of this year the terms were changed without notice, there is new limits on payouts. Now they will refuse to pay off a dental claim any more than $1000 a year after their deductible. That is less than it costs for a yearly premium. IT COSTS MORE in yearly premiums that they will pay out. This is a total scam and will only take your money.
5

out of 5

POSTED: | BY: Lavonne Matern

Employees are very patient and helpful with filing claims on line.

I appreciate the help when filing a claim on line. Once I learned how to file claims, the process from filing to reimbursement is much quicker.
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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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