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.
1

out of 5

POSTED: | BY: Dmason

Wellness reward program is so costly…

Wellness reward program is so costly and a scam for anyone who isn’t shopping around for a better plan. Maxed out “benefits” within 6 months. Turns out our offers an unlimited rewards program for only $7 more. Make sure to shop around.
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4

out of 5

POSTED: | BY: Vicki Smith

I resent being forced to write a review…

I resent being forced to write a review every time I submit a claim. One star was deducted. I hope someone at Embrace reads this. Actually you do. The “review” covers up the submit button. And doesn’t uncover until a review is done.
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5

out of 5

POSTED: | BY: Julie Nozaki

Two Dogs - Diabetes/Cataracts/Blindness/Cancer

We have had some real issues with both our dogs health. Diabetes and cataracts (yes for both!) and now one has lost her sight and the other has cancer. Embrace has been great about covering things we submit and getting us reimbursed quickly. They are also great when I have follow-up questions and wonder about things or accidentally submit things twice (my brain is fried with all these health issues). I am happy and I love more dogs because they are my children!
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5

out of 5

POSTED: | BY: RobertandJessiee

Fair Price and Easy Claims

The claims process is incredibly easy, and the reimbursement is fast. Premiums are reasonable, and they don't seem to penalize you if you make claims by increasing your premiums if you do have to use the insurance. Had this insurance for 3 years, covering 4 pets and have had to use it 3 times for one of those pets... seamless and easy each time.
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3

out of 5

POSTED: | BY: Sue B

Simplify for Grooming Expenses

There is some difficulty in inputting on line for a grooming expense if you have that on your insurance plan. It would be easier to have a separate section, non medical, to hit that tab, date, download receipt, name the pet and go forward. I always have to find the other options when your system wants a diagosis,
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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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