Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Stella Dearing

Do not use them

Do not use them. After years (a decade and a half) of using them, the abruptly changed my monthly premium for two dogs to 1200$ from 400$, which had been steadily increasing. The maximum pay out is $10,000 because I set this up in 2010. It’s a disgrace that they treat senior dogs like this. Clearly this is a business, and they don’t care about your pets. I recommend looking elsewhere or invest the same money into a money market or low risk investment account. I will never use them again.
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5

out of 5

POSTED: | BY: Patti Colliton

The claims process was very simple.

The claims process was very simple.
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1

out of 5

POSTED: | BY: Vanessa Branson

Ripped me off

Ripped me off. I only had my policy a couple days and then they abruptly canceled it and kept my money. I tried to get in touch with them and they are not answering.
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5

out of 5

POSTED: | BY: Sarah Walker

Handled our claim with thoughtfulness as well as efficiency.

We recently had to say goodbye to our faithful dog Nelson after several visits to the vet. Embrace handled our claim almost immediately. They sent a thoughtful message with condolences and were very help during this difficult time. They also took the time to remove Nelson from our account so I did not have to worry about getting that done, and applied a credit for the remaining days of his coverage to our account for our other dogs.
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5

out of 5

POSTED: | BY: Juli-Anne Nush

Quick Response

Embrace has a very quick response time. My claim was viewed within 24 hours. The app on my phone made it very convenient and easy to complete. The information they give is easily understood.
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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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