Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Maureen Kitchenman-Smith

Submitting claims is fairly easy…

Submitting claims is fairly easy through the website, and I like that it is always easy to connect with a person, if needed. We've been with Embrace for years and are quite happy!
5

out of 5

POSTED: | BY: Satisfied

Submitting our first claim for Maddy on…

Submitting our first claim for Maddy on Embrace was easy to do.
3

out of 5

POSTED: | BY: D SINGER

SO DISAPPOINTED

UPDATE: This is a canned response and is not in any way an answer. Corporations are all gouging us and all record profits they are making showing the gouging increases are not necessary. Just look at all corporations profits. They are not satisfied making money they are greedy and want more and more and more from us! Money we simply do not have! Until we stop buying from the corps doing this they won’t stop! The control is in our hands. Notice their answer is for us to pay MORE out of pocket to lower premiums which is counter to the reason for buying insurance to help SAVE US FROM MORE OUT OF POCKET EXPENSES. They want to charge us more and give us less. Again, that’s corporate gouging. 1st posting…👇 We have been with Embrace since 2007. We used to pay $200 a month for 3 Mastiffs at one time with $200 deductible & 90% coverage, but now we are down to 1 mastiff and he is at 80% & $500 deductible and paying way over $200 per mo. This is LUDICROUS. You have made it so that Bastian is our LAST MASTIFF & maybe last dog because as we go into retirement with only Social Security to live on there is no way we can afford it - we can barely afford the payments now while still working. Many dogs will now die because people are being forced to cut back and not have them because they are too much of an expense all because of CORPORATE GOUGING & GREED. Shame on you all. I am so disappointed and heart broken because these mastiffs are the best breed in the world.
5

out of 5

POSTED: | BY: Mary Ellen Wack

Easiest Website to work on

Easiest Website to work on - never a problem
1

out of 5

POSTED: | BY: Andrea

I have submitted my receipt several…

I have submitted my receipt several times. I have 2 dogs that were both seen the same day. Each dog has totals on the receipt followed by tax and total. Each time you send it back saying the receipt is not readable. This is total BS. The receipt is CLEAR, your just not wanting to honor your part!

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 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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