Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,643

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: Stephanie

Bait and Switch on premiums with Embrace

The first year I signed up for Embrace for our 7-year old Maltese, our premiums were $93/month for unlimited annual and lifetime coverage, with a $500 annual deductible and 90% coverage. When it came time to renew for year two, I was notified that my premiums would go up 52% to $141/month for the same coverage. I had to significantly cut our coverage to reduce our policy back to the same $93/month. This felt like a big bait and switch, but we already invested a year in this plan so we opted to continue at the lower coverage level. The customer service agents are friendly and helpful but the company seems set up to provide increasingly fewer benefits for more money over time.
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5

out of 5

POSTED: | BY: Kahleia KdubComics

Love their customer service

Love there customer service
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4

out of 5

POSTED: | BY: Chelin Consuelo Garcia

This is my first time submitting a…

This is my first time submitting a claim electronically, at one point I was a little confused when I had to put the diagnosis (in this case was wellness), but then I figured it out and the rest was an easy process. I don’t give a five star yet because I need to wait to see if everything goes through without any issue, but as soon as the process is done, I will do an additional review; but so far so good.
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5

out of 5

POSTED: | BY: Bicar

Outstanding company and service

Outstanding company. My dog developed cancer and I submitted at least 10 claims over the last 5 months and they were all handled promptly and the process could not have been easier. I highly recommend Embrace and will use them on future pets/
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5

out of 5

POSTED: | BY: Debra Kamino

The claim was simple to file

The claim was simple to file. Hopefully I will get some kind of credit for this charge.
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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.

Provider website

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.

Provider website

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