Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Tim Cavanaugh

With a new puppy

With a new puppy, got Embrace Insurance early on and had never had Pet Insurance before. I was hesitant about difficulties submitting claims, but went online and found it to be easier than I expected.
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1

out of 5

POSTED: | BY: Bb

Rates quadrupled this renewal

I have had this insurance company for over 5 years, and rates went up very minimal until this year. I was shocked to see that our rates had quadrupled this year, and reasons were various! Called to get quotes from other companies, and they were nowhere near as high, nor did they raise their prices as much as this company did.
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5

out of 5

POSTED: | BY: Cindy Benitez

My experience was amazing

My experience was amazing! I called to ask about my payment plan and why it went up. Ashley was the representative from Embraces and she explained my policy coverage for my two dogs. She suggested to get the Embraces App and then she helped me maneuver through the App. I told her about my two vet visits and she explained to submit my claims and download the bills. And within two days I received a refund! That was the fastest service I ever received! She was a Superstar!! Thank you!!!
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1

out of 5

POSTED: | BY: John

So far I sent in about $4000 in…

So far I sent in about $4000 in receipts and got back $25.00
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5

out of 5

POSTED: | BY: Gary Coleman

Everything

Everything! The people who helped me were fantastic!!
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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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