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: Hal Rothman

Pneumonia

Our standard poodle has had pneumonia twice in the last year. He fine now but repeated X-rays can become quite costly. There was no problem having both illnesses covered by Embrace. Quick approval and quick payment
5

out of 5

POSTED: | BY: Jackie Allen

Best insurance ever

I had two insurance plans before Embrace and there is really no comparison. Embrace is much easier to work with. They are very helpful if you have questions and quick to respond on claims
5

out of 5

POSTED: | BY: Douglas R

Glad I invested in this Insurance

Ive only had to use this insurance a couple of times but I am glad it I have it. My experience has been nothing short of great. Thank you.
5

out of 5

POSTED: | BY: wendy Gronbeck

Fast and fair service, no resistance or complications

I have already recommended Embrace to many friends, especially if you have a crazed puppy like mine.
1

out of 5

POSTED: | BY: Marcie Calcagno

Rates will rise

Beware, your rates will increase. After 1 year (with a 1y/o dog and a 4y/o cat) Embrace increased my premiums by 31%. Why, because the actuarial studies indicated a rate increase was needed for my state...etc. I have never filed a claim either. And I was told that the rates would continue to increase, definitely by the time the pets turned 5y/o and continue to rise. This rate increase practice was NOT transparent. I will put money in a savings account instead. Pet insurance with this company is not worth it.
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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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