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: GREGORY BADGER-

The people at,"Embrace " are smooth operators"

Duke was taken to RF Animal Hospital for a scheduled surgery. I had brought with me the claim form. The receptionist told me that the Doctor would fill it out and that she would fax it to Embrace, in less than a week (more like 4 days) l received a response. I was expecting a couple of weeks. I was impressed!
5

out of 5

POSTED: | BY: Susan

We are so pleased we had insurance with Embrace.

We've insured our dog since we adopted her at 2 months old. This is the first year that we have had to claim and we are so pleased that we had consistently renewed our policy. Our dog had to have two knee surgeries and then required physical therapy. Embrace supported us financially throughout the whole time and left us the energy to focus on our dog's speedy recovery.
5

out of 5

POSTED: | BY: Andrea

Exactly what I'm paying for, totally happy with Embrace.

We've had several claims submitted with Embrace over the past 7 years for our dog. The claims are easy and fast to submit (I wish people insurance was so easy) and they were paid right away. I'm surprised and very happy with Embrace. BTW very nice customer service agents as well.
5

out of 5

POSTED: | BY: Julie Rutter

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 Phillips

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!!
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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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