Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
4

out of 5

POSTED: | BY: Debra Monaghan

Good Pet Insurance but EXPENSIVE!

Rep explained why insurance has gone up so much this year (($88.00/mo). I love Embrace insurance but it is expensive. I have had it for my dog since he was a puppy (9 years ago) and the price increases have been crazy! From Around $60 a month to now $219.00 a month. I ended up raising my deductible which is, I’m sure, what they want. It has been a great policy since my dog had some issues in the past and it is easy to submit claims and get paid.
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5

out of 5

POSTED: | BY: Alexis

Hassle free coverage that is clutch!!

My Shih Tzu had last second dental surgery and I scheduled it to get on the hospital's calendar. Embrace made sure I didn't worry, explained my coverages, and made filing a claim hassle free through their app. 2 days last inwas reimbursed and all is well. Their staff was knowledgeable, patient, and very professional.
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1

out of 5

POSTED: | BY: Dave Cranston

First off let me start by saying I…

First off let me start by saying I wished I reviewed the reviews before selecting Embrace. That is totally my mistake and should have known better. After reading REAL reviews, this company takes your money with promising coverage and then manipulates the waiting period calling accidents like your dog eating a foreign object as an illness just like some of the other reviewers stated and then ask for all this other paperwork to see if they can then say it is a preexisting condition. Again, I highly recommend reading real reviews not people who just use their services for shots etc. the last closing thought I guess is insurance is their to make profit not cover you (pet). Please check other pet insurance companies before settling for this company.
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1

out of 5

POSTED: | BY: Donna In Texas

Open an account just for your pet’s bill.

It’s been 2 months… our Vets office still hadn’t heard from Embrace! I did everything I was required to do. I’d also was about to pay for my 5th payment…so I decided to cancel my insurance. Yesterday, I finally get an email wanting info on my claim…I’m done. No thanks…now I am putting money in an account just for my pets, every month. Open your own accounts! This was a $500 mistake!
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5

out of 5

POSTED: | BY: John

My recent monthly payment didn’t go through

My recent monthly payment didn’t process because my account didn’t have sufficient credit to process the total amount and when I called and was able to work out an acceptable payment process in a short time.
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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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