Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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.
2

out of 5

POSTED: | BY: Kelly Woods

Hard to get in portal and then it would not accept some answers, ugh!

It was NOT a easy portal. If we do not pick one of your answers we cannot finish. I prefer to fill in my own answer for diagnosis.
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1

out of 5

POSTED: | BY: Keegan

Company is a scam

Company is a scam. Costs $200 a month for 4 cats. They will pick out the majority of the vet bills and refuse to pay for them. It’s cheaper to put 200 aside every month and use that for vet bills.
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5

out of 5

POSTED: | BY: Russ Mulholland

Best in the business

Best in the business. Quick, easy, reliable, dependable, fairly priced. All 3 of our dogs are protected with Embrace. Thank you.
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5

out of 5

POSTED: | BY: alison golde

they are quick to payout!

they are quick to payout!
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1

out of 5

POSTED: | BY: Joseph Nosal

80% RATE INCREASE AFTER CLAIM

Rates increase at approximately 30% per year and can be more if you have any type of claim. If you ask why, they give a pre-written response regarding rates being reviewed annualy in your area etc...but it's ridiculous. I will never use this company again after our current pets. Last year after a nearly $9000 splenectomy for non cancerous mass, our rate went from $164 per month to $294 per month...a 79% increase!!!! They told me the same thing they did the year before, that they reviewed rates in my area and that's the price. SURE. I'm supposed to believe that it had nothing to do with the fact that I made a $9000 claim. 2020 - $86/mo 2021 - $121/mo (40% increase) - had a surgery prior year 2022 - $145/mo (20% increase) - no major claim prior year 2023 - $164/mo (13% increase) - no major claim prior year 2024 - GET READY..... $294/mo (79% increase) - MAJOR claim for life saving surgery around $9000 That's a 241% increase over the last 5 years. 48% average annually. Appalling. I'm seeing a very clear pattern. Make a claim, MAJOR rate increase. None or very small claims, average increase around 30% per year, Sometimes less. They have NEVER reduced rates, EVER. ONLY INCREASE year after year and exponentially. I am shocked that USAA teams up with this shady company. Worst of all, we can't switch because the current covered conditions would no longer be covered with a new company so we are stuck with them. Make sure you file EVERY claim and MAKE THEM PAY. The only good thing I will say about this company is they do actually pay - so they get 1 star. But at almost $300/mo, that's $3600/year, it might just be better to start a high yield savings account and hope for the best. Wheres the insurance commsion? I don't think pet insurance is regulated or at least not regulated in any responsible way. Crooks.
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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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