Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Clyde Mayson

Follow-up on Veternarian identification…

Follow-up on Veternarian identification was required. Company employee was very helpful and that was completed for application.
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5

out of 5

POSTED: | BY: Ronald Greene

Thes service that I received was most…

The service that I received was most excellent
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1

out of 5

POSTED: | BY: Tom

My premium went up $60 a month out of…

My premium went up $60 a month out of the blue 35% more than what I was previously paying which was already high. They said it is because of inflation... Inflation is 8%. My dog is perfectly healthy and only 6 years old. This is highway robbery and I recommend you look elsewhere for pet inusrance.
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5

out of 5

POSTED: | BY: susan s

Helpful and Personable Customer Service

My interaction with customer service when I couldn’t get the expiration date for billing to change was an easy and pleasant experience as all my interactions with Embrace have been. The person who helped me was extremely personable and helpful.
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3

out of 5

POSTED: | BY: Leslie Hafter

I filed three claims at the same time

I filed three claims at the same time. One claim is still pending info from the vet, so I won't review that one. One claim was reimbursed as expected - 5 stars for that. The other claim was reimbursed at about 20% of the total - much lower than expected. I sent a follow up asking why the amount was so low and still have not received a response. 1 star for that.
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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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