Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,757

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.
2

out of 5

POSTED: | BY: Leon Stepherson

I had to take my dog to the vet

I had to take my dog to the vet. I have a schnauzer due to blood in the stool and last year of a year and a half ago. I had to bring both my schnauzers in. They have done work done. I paid close to $2000 for everything in the last year and a half, and when I put my claims in, I got possibly maybe $230 back from my claim representative was she was very very very nice but that’s the amount of money. I’m paying it is not worth it.
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4

out of 5

POSTED: | BY: Tim Troy

Claim submission process was…

Claim submission process was straightforward.
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1

out of 5

POSTED: | BY: Melissa Hope

Prices increased 50%

I've been with Embrace for 4 years and in the spring my monthly charge went up 50%. I finally noticed in October and when I called to question them about it, the reasoning was that vet bills in my ZIP code have gone up. I've been paying my vet bills because my dog's not sick and just needs the normal checkups and vaccines which I didn't have the insurance cover. So I know it hasn't gone up that much. I'm canceling and finding another insurance. I understand the need to increase prices but that was ridiculous.
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1

out of 5

POSTED: | BY: Alexandra K Kourides

Called to cancel, read below…

Embrace never covered (nearly) any of my claims and I spent $1,000/year and then had to get up to my minimum and I submitted lots & lots of receipts. Beware of them for all of the people who are looking for insurance for their pets.
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5

out of 5

POSTED: | BY: MBF of Spearfish, SD

User friendly site.

User friendly site.
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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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