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.
5

out of 5

POSTED: | BY: susan s

Responsive and Helpful

Embrace was great about responding to claims for my puppy who fortunately seems to be fine now. Uploading vet bills was fast and easy. When I had a question about how to separate wellness charges from medical charges on the same bill, Embrace customer service was very responsive and took care of it for me. I’m happy I chose Embrace.
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5

out of 5

POSTED: | BY: Jules Mccrystal

Everyone is always nice and helpful…

Everyone is always nice and helpful with any questions I have.
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5

out of 5

POSTED: | BY: NA

Great Service

Each time I called in to get an update on my claim, the people I talked to were very nice and most importantly knew what they were doing and what was needed to get everything taken care of. It may have taken a little longer than I anticipated, but in the end, everything worked out and I am very happy with this insurance.
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1

out of 5

POSTED: | BY: terri

They bank on our ignorance

They bank on our ignorance, naivete. Like many of the other pet insurance companies out there, they don't cover the necessary stuff for pet well being. Like spay and neuter, which can be very costly but is necessary for the longevity and overall good health of most pets. They only cover emergencies --and there are caveats to that. Everything else is "wellness" and they only cover $250/year. When I went to cancel this policy, the customer service rep brow-beat me, talking over me for goodness knows why and refused to listen. I had to get nasty and tell her that this talking over me and brow-beating me into wrongness wasn't helping anyone, I'm an unhappy customer who wants to end the relationship. Enough said! Pet insurance should help pet owners lessen the financial blow of veterinarian costs. Instead this company is like human health care --lacking.
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5

out of 5

POSTED: | BY: Teresa Goree

My cat Emma passed on June 1st of this…

My cat Emma passed on June 1st of this year. There were several claims during the time that she was being treated. Embrace handled these claims very efficiently and processed in a very timely manner. I decided not to cancel my policy until all the claims were processed. I contacted Julia at Embrace who was very professional, courteous and knowledgeable and acted in a timely manner. I hope to get another cat or 2 someday and I will definitely go back to Embrace for pet insurance!!
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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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