Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Claudia Garfield

I had a wonderful experience after we…

I had a wonderful experience after we lost our dog this week. We're devastated and during my cancellation call the rep was so compassionate. They informed me of my benefit that world cover part of my after care bill with my vet that included working with the cremation company. Very thoughtful and kind experience at a very hard time.
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5

out of 5

POSTED: | BY: Adrianne Davidheiser

I can’t believe how easy it was!

I can’t believe how easy it was! My pup Zoey had to have many vet visits and a procedure and Embrace did not question anything! They have been nothing but great during this stressful time. I highly recommend!
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1

out of 5

POSTED: | BY: Jonathan Withers

WHAT A RIDICULOUS COMPANY

WHAT A RIDICULOUS COMPANY. HERE IS THEIR RESPONSE TO MY QUESTIONING A 60% INCREASE IN ANNUAL PREMIUM. INSTEAD OF TAKING EVERY PIECE OF BUSINESS YOU CAN WRITE HOW ABOUT REJECTING BUSINESS THAT NEGATIVELY AFFECT POLICY HOLDERS WHO DON'T HAVE CLAIMS ETC. IDIOT COMPANY........Hello Jonathan, We certainly understand a premium increase is never ideal, but premiums do increase over time with all insurance products and pet insurance is no exception. The premium increase is not currently based on your pet's individual health status or the claims you've personally submitted, but on our entire book of business (the overall actuarial data) based on your pet's age, breed, sex, and the location where you reside. The main factors that impact premiums each year include the age of a pet, tenure of the policy, and inflation which includes the increase in veterinary costs. Over the lifetime with any pet insurance company you are likely to see very similar trends, it just may vary when the increase happens. However, Embrace structures our policies to allow each pet parent to change coverage parameters to adjust the premium based on what they feel is best for their individual pet and situation. We understand you’ve already canceled your policy and we are sad to see you go, but if you are interested in exploring these options or have any additional questions or concerns, please feel free to reach out and we're happy to help!
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4

out of 5

POSTED: | BY: David Kundtz

2 of the vet hospitals would not submit…

2 of the vet hospitals would not submit directly. The final vet, who had to put our dog to sleep was the only one who said they would submit, but do to the emotional aspect we are not sure they did. I hope Embrace has the info.
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5

out of 5

POSTED: | BY: Kristine Hejna

Always so easy to file a claim

Always so easy to file a claim
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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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