Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Kate

15 years of excellent service!

We have been with Embrace since 2011 when we adopted our first Lab mix. From the start, Embrace has been quick to cover every expense without any questions. Our first dog, died from a brain tumor and our current Lab mix from Houston, has had multiple health issues that have amounted to thousands of dollars! His primary vet calls him the million dollar dog! It has been reassuring to know that Embrace has supported our dogs' health every step of the way!
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5

out of 5

POSTED: | BY: Laurie Marshall

The customer service was informative...I…

The client service was informative...I am still not sure if the price is worth it as we have a high deductible of $500 and may not make that this year and the rate may not offset the financial expense enough to warrant keeping this insurance. Granted if our dog(s) have a serious condition this would be a benefit. It was easy to submit claims once the customer rep explained to use the app. I am older so sometimes I don't like all the technology but their app is easy to use. The response on the claims was quick.
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5

out of 5

POSTED: | BY: Susan

I submitted a claim for my dog and was…Extremely pleased

I submitted a claim for my dog and was impressed at how quickly they reviewed and completed the claim. They also make sure to get the money that you are to get reimbursed submitted to your account within 24-48 hours. You couldn't ask for better service. I have been with Embrace for several years and I must say they are improving all the time. Also when you call and talk to a representative everyone is so friendly and helpful!
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3

out of 5

POSTED: | BY: Amy K

Rate increase with number of claims filed

Slow claims process. They increase rates when you file claims.
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1

out of 5

POSTED: | BY: Cindy Shelton

Never got a policy

Kind of hard to review something I haven’t used . I’ve gotten no policy to explain anything about your coverage or when and how I can use the insurance. I’ve called twice to receive all info. Also I pay 50$ a mth. I a sure you of the rates go up I will be canceling.
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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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