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.
3

out of 5

POSTED: | BY: Michele Bertini

I have had embrace for my St

I have had embrace for my St. Bernard since she was a puppy. She is 10 yrs old. My only complaint is the amount that embrace increases every year is insane. I was paying 235$ then 287$ and then jump to 435$. That’s a car payment basically. I’m actually at the point of just dropping the insurance and using a credit card and just paying it off. Even though she had a surgery 6 yrs ago which was $9k after adding how much I have paid embrace I easily could use a credit card and just pay it off over time. I have spoke to other insurance companies and they are so much cheaper with exact same coverage ( including a higher wellness amount at a cheaper price). It’s sad considering I have been a military member for over 45 yrs.
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5

out of 5

POSTED: | BY: Geri F.

Ease of use

So far the app and/or web page are very easy to navigate.
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1

out of 5

POSTED: | BY: Pat Thalman

Good insurance until your pet becomes ill.

Had this insurance on my little dog since she was 3 months old. When she was 10 yrs old she became ill and they tripled the premium. @299 a month!
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5

out of 5

POSTED: | BY: Sandra Watts

Fast and efficient

Always quick and easy to complete process. They take care of business and that is what a “great” company does. Definitely customer focused!
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4

out of 5

POSTED: | BY: customer

so far so good

so far so good, claims reviewed and paid. now i will see how long it takes to get the check.
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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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