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.
1

out of 5

POSTED: | BY: Gloria Haugen

when I called I spoke with someone …

when I called I spoke with someone called Rick, I wanted to know about the claims I have submitted. He told me there was no record of any claims under my name. I know that is not true because Embrace contacted my vet here in Onalaska WI. they needed a copy of her notes from the 30th of September 2024. I have to mail my claims because I do not how to down load on the computer. My name is Gloria Haugen and My dogs name is Missy.
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5

out of 5

POSTED: | BY: Jeri

Compassionate Service

Submitting claims was very easy and when our dog passed on, cancelling the policy was very easy as well. We were grateful for the compassion and empathy shown towards us.
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5

out of 5

POSTED: | BY: Mura

Easy Peasy

Very short wait time to get on the line with a representative. Veronica understood exactly my concerns and she solved all our issues. She was very kind and knowledgeable. 👍👍
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5

out of 5

POSTED: | BY: MBF of Spearfish, SD

Ease of website-User friendly

Ease of website-User friendly. Payment on qualifying claims prompt and reasonable.
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2

out of 5

POSTED: | BY: Russ Clancy

Unexpected 75% premium hike

Customer for over six years with no claims. Then without reason or notice, monthly premium went from $38 to $68. Cheaper now to put $60 to the side for potential vet bills and retain the cash if there is no claim. Paid them over $2500, C’est la vie!
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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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