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: Jane Cook

I can’t say enough how wonderful…

I can’t say enough how wonderful Embrace Pet insurance is I was with a different company for many many many years and I’m kicking myself for not going over to Embrace years ago. They have the quickest turnaround. They don’t hold up your claim for anything if you have all the documentation they send it right out no hassle. My only regret is that I never joined them years ago. I’m telling you if you’re on the fence and you’re debating about which insurance company to go to please give Embrace a try.
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5

out of 5

POSTED: | BY: Jackie Patsouras

Customer service quick on the claims.

Customer service quick on the claims. All and all very good company.
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1

out of 5

POSTED: | BY: Vicky Harris

Giving one star is generous

Giving one star is generous. Worse customer service, insane waiting times, claims dept asking for records they have ... the absolute worst. Save your $. Date of experience is every claim i submitted...so it was not a one off. Be advised...you are forewarned.
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5

out of 5

POSTED: | BY: Mary Beth Yates

Embrace has very good customer service…

Embrace has very good customer service and they review claims and reimburse in a timely manner. Having pet insurance is helpful with dogs who go to the vet frequently for something other than their wellness visits.
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1

out of 5

POSTED: | BY: Shannon Wilson

Would highly recommend not choosing this company

Would highly recommend choosing a different policy for your pet, company Will do everything possible to either have you do all the work for them or deny the claim. Maybe consider just putting the money you would spend on this policy every month into a separate savings account to have in case of pet emergency.
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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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