Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Julie

Do what they say

My Border Collie has come down with an immune disease and Embrace is coming through again. Easy to make claims and fast reimbursement payments. My other mixed breed dogs have had claims as well and I have never had any problems with the claims. They cover what they say they will, and have good customer service.
1

out of 5

POSTED: | BY: Matthew

40% increase in premiums after year 1

No claims during the first year. Embrace contacts us and says its been 1 year and your premiums are going up. Fine, we assumed a slight increase. Then they gave us the number and it was a 40% increase from the first year. Ridiculous!! We dropped them and will NEVER go back to them. The suck you in for the first year and then try to drive the price up an insane amount. No Thanks!!
5

out of 5

POSTED: | BY: George

Awesome Pet Insurance

My dog Penny has been covered by Embrace for a year now and they have been awesome. Excellent communication and outstanding customer service.
5

out of 5

POSTED: | BY: Michelle

Absolutely love Embrace. Quick and easy payments.

Love this insurance. Easy to submit claims with quick payment for seevices. Love it.
5

out of 5

POSTED: | BY: Carolyn

Glad Embrace was there when we needed it

Pet insurance is something you need, but never want to use. Embrace was prompt at playing our claims for Matty's issues with her ACL prior too and through the surgery. Staff is always responsive to questions. My only wish is that they would obtain a complete health history when they issue the policy. We purchased our first policy when she was about 2 months old, but they need a complete history prior to our insuring her with them. She is now 5 years. I was a little concerned about getting this information from the vet since we no longer when to the same practice. It would be much easier to get that history when they issued the policy.
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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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