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.
3

out of 5

POSTED: | BY: Todd Parker

Coverage is rather expensive

Coverage is rather expensive, and the Wellness Plan isn't really coverage because of what the monthly premium for it... Staff are very helpful.
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1

out of 5

POSTED: | BY: ConcernedCitizen

Unfortunately

Unfortunately, I can no longer trust Embrace. Here's why: When I first signed up, I had to choose which breed my dog was. It is a Mini Australian Bernedoodle (a mix between 4 breeds) and there was no option to select "bernedoodle', so I selected "Mixed Breed" (which is accurate). In addition, Bernedoodles are not even recognized as a breed by the American Kennel Club (AKC). My original quote was ~$52/month. Six months later, after they saw that one of my veterinarian records said my dog was a bernedoodle, they said they needed to change the breed classification, which increased my premiums by 92%. Then 1 month later, they raised the premium by 11% more as part of an annual premium rate increase. Then several months later, they increased the premium again by 33%. And just recently, they increased the premium by ~50%. I have not had any major/expensive claims that would warrant these increases. So I am cancelling my policy and going elsewhere.
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5

out of 5

POSTED: | BY: Carrie

Super easy to file a claim and…

Super easy to file a claim and reimbursement came very fast
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5

out of 5

POSTED: | BY: Joyce Sebian

Embrace has been a great company

Embrace has been a great company that has been true to its word. Submitting a claim is easy and the team is available and responsive. They paid my wellness claims very quickly. Thank you!
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4

out of 5

POSTED: | BY: Georgia Murtland

Had a little trouble with finding…

Had a little trouble with finding Veterinarian address,They moved to a new location and was not listed on your site.The invoice contains the new address.Everything else was easy to complete.
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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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