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: Susana Rios

I have been using Embrace for several…

I have been using Embrace for several years. It's much easier to use and my claims get processed a lot quicker. I feel like their user platform is much easier the past year. Thank you!
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1

out of 5

POSTED: | BY: Peter Murdock

Research carefully

Please research carefully before selecting this company. I don't object to their nonpayment of claims. They appear to select any reason to not pay a claim. Not only did I have to endure the trauma of burying her, here are two distressing excerpts from their response to my euthanazia claim. 'This condition and any related conditions or clinical signs would be eligible for coverage in the future provided your pet remains free of signs/symptoms/treatment for a full 12 months from the most recent occurrence'. 'As such, these and any future masses (including cancer) would be excluded from coverage by the policy.'
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5

out of 5

POSTED: | BY: Peter K

Dealing with Embrace is a pleasure

Once more I found dealing with Embrace a pleasure. Pretreatment estimate was easy to submit and get approved. The online submission process is very clear and easy to navigate.
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1

out of 5

POSTED: | BY: Patrick

Started Off Great, Now a Complete Scam

We had embrace for years. We moved cities and they changed our premium by over $200. We have been previously approved for Physical Therapy for our dog with hip problems and they have now changed the policy so that you have to be in a building with a vet. They have done everything in their power to remove benefits, refuse claims and continue to increase the prices.
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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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