Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: G Jones

Gary Thompson is the best service rep…

Gary Thompson is the best service rep I've ever delt with! I have 25 yrs experience in service myself... He provided world class customer service. If I had another pet to insure, he'd be my guy! Thank you Gary Thompson!
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1

out of 5

POSTED: | BY: Mary Tyl

Scammers!

You told me when I purchase the insurance that pre-existing conditions do not matter - that is until I file a claim. Just scammers! Even more so. I had the insurance for 2 months. Paid $1000. Now when cancelling, only getting $169 How is that prorated? Just scammers. Going to a REAL insurance now!
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5

out of 5

POSTED: | BY: DM

Satisfied Customer

I have been a customer for a short time. So far, I have had good experience with this company and claims. Wish process time was a little shorter, but once processed any reimbursement is promptly paid out.
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4

out of 5

POSTED: | BY: MIKE STONE

They fixed a misunderstanding with a…

They fixed a misunderstanding with a rate increase for me.
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5

out of 5

POSTED: | BY: Jhernandez

Great customer service.

Great customer service.
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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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