Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
5

out of 5

POSTED: | BY: Paul Murr

First time we have made a claim

First time we have made a claim. Didn't have the pre-insurance medical records we should have submitted when we first purchased the coverage. Embrace was helpful getting all of that caught up; I was surprised because they could have denied the claim because of that. Instead they very efficiently helped us get the paperwork - old and new - and processed the claim very quickly.
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5

out of 5

POSTED: | BY: Troy

Westley Smith was top notch and laid…

Westley Smith was top notch and laid out everything very knowledgeable about the insurance plan and is a Greenbay Packer fan; GO PACK GO!! Thanks, Wes
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1

out of 5

POSTED: | BY: NA

Your customer service sucks

Your customer service sucks. You may be good at pet insurance but 20 minutes to get someone to answer a phone call is pathetic.
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3

out of 5

POSTED: | BY: Henry Martin

I was paying a high premium each and

I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.
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5

out of 5

POSTED: | BY: Rusty Gage

Exceptional

I am admittedly one of the “not so easy to please” customers who does not accept status quo. Embrace is so far beyond status quo. The claims process is foolproof, and response time is exceptional. (No, I do not hold a personal stake in this company).
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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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