Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: David Kampf

The site is very easy to navigate

The site is very easy to navigate. The information necessary is easy to obtain and provide. It only takes minutes to complete the claim.
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5

out of 5

POSTED: | BY: Lisa Selogy

We have been with Embrace over 15 for years

We have been with Embrace for years. We have been completely satisfied with all aspects of this company, from customer service to covered expenses and to the timeliness of reimbursement. I am however shocked with the increase in our premium, from $155 to $250, with no advance warning of such a steep increase. I called and the reasons given made no sense. A $100 a month increase is quite a shock.
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5

out of 5

POSTED: | BY: Michele Cancro

Embrace is very easy to use

Embrace is very easy to use. I signed my pup up as soon as I got him. We've had one illness and I sent in the invoice and got a response to it being covered within just a few days. The reimbursement to me was less than 48hrs from their review. Very easy to use. Great coverage and fast customer service. I have already recommended Embrace to several friends.
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1

out of 5

POSTED: | BY: Jorge A. Orozco

We have been paying insurance for our 4…

We have been paying insurance for our 4 year rescue for two years, no issues to take your money, no requirements or docs needed. Now that we needed to file a claim. They want history from before the adoption which doesn't exist since she was a stray. They keep asking for the same information which doesn't exist. And keep denying the claim. Stay away from them.
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5

out of 5

POSTED: | BY: Izzy

Super friendly and helpful folks

Super friendly and helpful folks, easy to use website for claim submission.
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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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