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.
5

out of 5

POSTED: | BY: Ellen Blodgett

Thank You Embrace

It is always a good experiance when I call Embrace ! The people are friendly and will take the time to answer and solve the situation . Thank you Embrace
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2

out of 5

POSTED: | BY: Angela Whetro

Policy sky high increase

I loved Embrace until I received the premium increase. It doubled to 3100 for both dogs. I spoke to them and she made suggestions but could not tell me if I made changes if I would get my money back. One of our dogs did not have any claims. The other had about 5 but nothing expensive (ear infection/cough). I went to use the app as she suggested and the error message came up Oops something is wrong. I agree app there is.
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1

out of 5

POSTED: | BY: Victoria Rose

I filed my claim and have heard nothing…

I filed my claim and have heard nothing from Embrace!
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1

out of 5

POSTED: | BY: Nicki Egan

Scam

Our premium went up more than $60 a month to $213 a month even though we had no claims last year and I’ve only had one in the two years we’ve had the policy. I was told it was because bet expenses have skyrocketed and our golden retriever turned 9 and they are prone to certain diseases.
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5

out of 5

POSTED: | BY: Pati Baker

Received the policy renewal

Received the policy renewal. Like all things at this time, there was an understandable increase. There were also welcomed suggestions from Embrace on how to keep the cost manageable. I called and spoke with a kind and professional representative (her name I cannot remember), who assisted me on modifying my policy. I acted upon one of the suggestions given by Embrace to remove the Wellness as this would not affect the overall policy but reduced the month cost. I appreciate the suggestions given as this shows you want to keep me as a client/customer and my business.
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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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