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: Arlene

Waste of money

My shi tzu was diagnosed with glaucoma before I signed up for Embrace. So all my claims involving his eyes even when it’s not due to glaucoma got denied. Then I found out that my premium was going up this month. So I canceled it. Then they offered me a lower rate that would cover more. It didn’t make sense at all. I still canceled it. I just wasted $35.74 every month for over a year. Then they charged my credit card for the new rate of $53.67 on the day I canceled the insurance. I disputed the charge. It’s still under review.
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5

out of 5

POSTED: | BY: Terry Rieger

Super easy to submit claim & very quick…

Super easy to submit claim & very quick reimbursement !
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5

out of 5

POSTED: | BY: Marlene Hall

Detailed, concise and great follow through.

We appreciate the in depth evaluation of our dogs claims conducted by Taylor. It was fair, concise and detailed. Taylor renewed my confidence in the fact that Embrace was going to follow through with the appropriate reimbursements on our dog’s medical bills. This insurance was recommended for us by a DVM. We are happy to continue with Embrace. Online and email communication was great. The only thing to do as a “better” is the communication by telephone can be less of a wait time. We waited 30-60 minutes on two of our phone calls for clarification.
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5

out of 5

POSTED: | BY: Deb

I've been with them over 6yrs and it's…

I've been with them over 6yrs and it's easy to submit a claim.
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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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