Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Shirley Bearly

Wellness plan pays fairly quickly but…

Wellness plan pays fairly quickly but when I have had to file several claims trying to get diagnosis and help for very sick gastritis issues they are dragging their feet and are trying to find a reason not to reimburse the ER Vet and specialist vet testing bills. They have been sent ALL records twice from 3 vet offices and still won't contact me or take care of the claims. Still waiting on a final decision.
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5

out of 5

POSTED: | BY: Dennis Shuey

Staff was very helpful

Staff was very helpful and considerate,answered all my questions and concerns. Would recommend this company to anyone who has a pet. Completely satisfied.
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1

out of 5

POSTED: | BY: Lauren Sut

Had for over a year and had zero…

Had for over a year and had zero benefits from my plan. Everything needed had something written up on why they couldnt pay. Id rather pay out if pocked when something happens instead of paying this company for no help every month. Bye
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1

out of 5

POSTED: | BY: JustAnswer Customer Vicki

I cancelled after a week

I cancelled after a week , I called 6-7 times never got an answer
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4

out of 5

POSTED: | BY: sanford hochman

So far so good

So far, Embrace Insurance has done well in taking care of the heavy expenses for my Cavalier Spaniel. Unfortunately, he needed several surgeries on the same leg, and Embrace covered two of them, and hope they will take care of the third needed surgery.
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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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