Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
1

out of 5

POSTED: | BY: Sarah

They raised my rates 67% after my first…

They raised my rates 67% after my first year. (3 cats under 4, no health issues). They could only say it was due to inflation and increased vet costs (despite the fact inflation and vet costs did not increase 67% this year).
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5

out of 5

POSTED: | BY: flpnout

Everyone I spoke to is super friendly…

Everyone I spoke to is super friendly and helpful in providing a suitable quote for my new boxer puppy.
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1

out of 5

POSTED: | BY: Tony Enriquez

We have two dogs with Embrace Pet…

We have two dogs with Embrace Pet Insurance. We filed a claim with our second dog, and with the printed documents. However, Embrace wanted the written notes from the Vet which were not sent to us. How can we send the written notes when the vet doesn’t send any or has none? We wasted the fees paid for the wellness and have to wait an entire year before we can obtain any wellness claims until our dog reaches it’s first anniversary with Embrace.
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5

out of 5

POSTED: | BY: Lynn Jones

Easy process

Easy process, much more so than the competition. Simple app.
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4

out of 5

POSTED: | BY: Melissa Hagen

easy to do claim online

easy to do claim online. wish the % given back to me was more...like 90% !
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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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