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.
1

out of 5

POSTED: | BY: Michele S.

Total and complete ripoff. Liars.

We have paid this company $10,000 over 3 years for our two dachshunds and have gotten $100 back (possibly for gas running the dogs back and forth). Sign up with these people at your own peril.
2

out of 5

POSTED: | BY: Brian W

Premiums just go up and up and when I…

Premiums just go up and up and when I actually needed it, they said they would not cover an actual sick visits as the Dr. listed it as an "exam" and said that "exams" are not covered... how would a doctor diagnose what turned out to be a immune issue with "examining" my dog?
5

out of 5

POSTED: | BY: JILL MCNICKLE

I have not had to use it yet

I have not had to use it yet, but they were so helpful in explaining all of the different plans, and just so nice. Also, the prices are competitive with other plans.
5

out of 5

POSTED: | BY: Bower Mary

My claim was paid promptly with no problems

My claim was paid promptly with no problems. Customer service is great...very helpful and answered all my questions. Thank you so much!
5

out of 5

POSTED: | BY: Nala Pippa

Want the best for my Service Animal

I was really unsure of getting pet insurance, I thought it was a waste of money. There had to be a scam, Embrace also the competition company I was checking into. I chose Embrace due to the well care puppy protection with lots of extras. you do pay extra for it in the long run 100% reimbursement. You cannot lose on this program! I live on a fixed income rob peter to pay paul most times. I have had a great experience with submitting claims, Embrace stands true to there word. Embrace has processed claims as promised, in the time line it states. I also carry a policy for illness, accident, at a 100.00 deductible for up to 10,000.00. There is only one thing I wish the company had thought of including. A pet credit card đź’ł everything would be recorded itemized. Also a quick way for unforeseen emergencies that arise. Having a United States Service Animal, you want to give back what the service animal gives you. Care, health protection so I chose Embrace to help me ensure a healthy Animal. I will keep everyone up to date , if this changes in the further.

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 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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