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.
5

out of 5

POSTED: | BY: Erin Cooper

4 paws up

Embrace has always been easy to use, and prompt in communication and payments. Their customer service is outstanding.
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5

out of 5

POSTED: | BY: Michelle Acevedo

Very easy to do claims for multiple…

Very easy to do claims for multiple animals. Claims paid out quickly.
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1

out of 5

POSTED: | BY: Connie Casper-Hewitt

This company doubled my premiums from…

This company doubled my premiums from $90/mo to $190 for my two YOUNG healthy dogs in one year. I have never submitted a claim. One dog is NOW 3.... was just 2 when the premium was doubled, and the other is 5. They are Tibetan Spaniels who are not prone to health problems. No actuary table would show this as a legitimate cost increase, and I got better coverage for $91/mo elsewhere.
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5

out of 5

POSTED: | BY: Shannon

Quick and easy to use

The process for submitting claims is simple and whoever is processing them, explains what is covered/not if there is an issue. They are quick to reimburse too.
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1

out of 5

POSTED: | BY: Autumn

Sadly, they are no different than any other insurance company….

The problem with this company is they wait until you file a claim to tell you what they will and will not cover. Some of the things they will not cover, based on their initial review, are things you would never expect them not to cover. They said they would pay less than 25% of my first filed claim. I say it that way because they have claimed they initiated a payment. I have not received a payment. I have also not received a response to my inquiry about the payment, and this was almost two weeks ago. Like most insurance companies, this one will find ways to avoid payment after months of collecting money from the working class. The whole point of this plan was to HELP. It has cost me more money than if I had just paid my bill out of pocket. Stay away,
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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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