Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: joyce

Embrace Pet Insurance

Both dogs went for a check-up. Embrace paid both bills quickly (next day). Embrace was a great choice for pet insurance because it puts my mind at ease if/when my pets are sick.
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5

out of 5

POSTED: | BY: Gloria Stayman

Thank you for all you do for all of us!

Thank you for all you do for all of us. We are so appreciative of all your hard work!
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5

out of 5

POSTED: | BY: Janice O'Leary

FAST, PROMPT, EASY FILING. FAST PAYMENT

SO EASY TO FILE AND QUICK PAYMENT OF CLAIMS. HONEST COMPANY!!!!!
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2

out of 5

POSTED: | BY: Timothy

Embrace, A Typical Example of the Lightly-Regulated Pet Insurance Industry

Embrace, like all pet insurance, is a racket. Although I had no accident or illness claims, my year over year premium increase was over 100%. I have canceled my policy. Their customer service was always friendly, but rarely competent; unfortunately my experience of claims, underwriting and sales tactics fall into the lowest decile of all insurance companies I have dealt with. Pet insurance as an industry has grown in size by leaps and bounds. The industry needs the attention of a large number of States' Insurance Commissioners to review current practices. Overall, Embrace was expensive and difficult to extract concrete answers from.
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3

out of 5

POSTED: | BY: Chris Gill

Be truthful in the initial sign up

They make you jump through so many hoops for approval. Asked for 2 major reports and i provided them. Now they’re asking for more which is deceiving. They’re trying to deny me. Do better!
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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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