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.
1

out of 5

POSTED: | BY: Dana Thompson

Jan the agent

Jan, your agent, was very slow, hard to understand, and kept asking me to repeat myself. She had no logical way to explain my premium increase, although I've not had any claims paid out. Also, the credit card update was very tedious and took much longer than with other companies.
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5

out of 5

POSTED: | BY: Andrea Tallchief

I’m new to pet insurance

I’m new to pet insurance. When I would call and ask questions about my claims, they were always courteous and reassured me that they were reviewing, and they would let me know. I was very pleased when I received reimbursement back for my pet incident. I would definitely recommend pet insurance if you have a high active breed of dog
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1

out of 5

POSTED: | BY: James Johnson

Slow to resolve claims

I proactively collected all my dogs claims and submitted them directly to Embrace. They tell me they received them but my claim status is still "pending medical records" Representatives tell me its just going to be a couple days. It's been over a week. Very disappointed.
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1

out of 5

POSTED: | BY: Francesca Murphy

They almost never paid out

They almost never paid out. They always twisted the veterinary information to avoid paying. Eventually, after paying for several years, I was paying $200 a month for two dogs and I thought I might as well put that money in a savings account in case of a catastrophe.
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5

out of 5

POSTED: | BY: Andrea McMurray

Really easy to submit a claim

Really easy to submit a claim. Straightforward and comfortable.
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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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