Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Thomas Stager

Our overall experience with Embrace has…

Our overall experience with Embrace has been great up until I received the following email which left us wondering what if any coverage we have going forward. Alfie is a very healthy little dog and has virtually no issues outside of the Foxtail he picked up in his foot. If we can't get clarification soon, we will sadly have to seek out another provider. "Even though Alfie has some pre-existing conditions, your policy is still going to provide you with great range of coverage for the unexpected problems that Alfie might face. If you feel I am incorrect in my assessment, please have your veterinarian send in a letter clarifying the situation and I will be happy to reassess this information at that time. This information can be emailed to:
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5

out of 5

POSTED: | BY: Debbie

Courteous and prompt response to my…

Courteous and prompt response to my question.
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5

out of 5

POSTED: | BY: Ingrid

Easy to submit claims.

Easy to submit claims.. Staff is very helpful and understanding when having questions
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5

out of 5

POSTED: | BY: Victoria Lynn Berdnik-Atkinson

We love using Embrace

We love using Embrace! Fits our needs and great service!
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5

out of 5

POSTED: | BY: Susan Pettit

TERRIFIC COMPANY.We have had Embrace for over 7 years

We have had Embrace for over 7 years. Service has always been excellent. Have called Customer Service a couple of times and Representatives were friendly, caring, knowledgeable and reassuring. Claims processing is FAST. We highly recommend Embrace 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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