Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kim Randolph

Good and prompt service

For the most part, I've had embrace for over 5 years and I'm very pleased with the service I get. Sometimes it's rather tedious I know for my vet, who has to sometimes send in multiple doctor notes before a claim is paid. But that rarely happens, therefore I still am giving a five star rating.
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1

out of 5

POSTED: | BY: David Douda

Not worth your money

The interface is easy to navigate. However, they cover nothing and if you want to be covered for anything you’d have to pay a ridiculous amount. The outrageous amount you’d have to pay in order to be covered for anything for an elder dog is truly a waste of your money. It’s more economical to borrow money from a bank in case of emergency. Truly not worth your money
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5

out of 5

POSTED: | BY: B Bennett

Embrace has been incredible to work with

Embrace has been incredibly easy to work with! From the very first day of exploring insurance options and filling out my application, to speaking with a representative who helped me choose the best coverage for my needs, the process has been smooth. Now, submitting claims is quick, and their communication is excellent. Overall, they’re very professional, and I’m so glad to be working with them!
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1

out of 5

POSTED: | BY: Sandra McCormack

I have been with them about 8 years for…

I have been with them about 8 years for a rescue as well as another. They raised my premiums to double. They withdrew from my acct. automatically. I received absolutely no notice. Cost was $52 went to $93. I called and was told there was a %15 increase. That would be less than $8. Ask to drop auto deduction and was told it’s not an option. I chose to drop them and look for coverage elsewhere. I’m thankful my acct. was able to cover the increase. I do not recommend them and feel their lack of concern was appalling.
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5

out of 5

POSTED: | BY: Barbara Ferrell

Easy claim process

Easy claim process! Upload receipt, give brief explanation, done.
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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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