Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: CeCi L.

Happy after 2 years

I have been with many different pet insurance companies, and I am extremely happy with Embrace. The rates are very reasonable. Just like ANY other pet insurance it's all on what YOU choose for your pet on coverage. You can have $10.00 a month up to $500+. I have 2 pets on Embrace and both pets I have high coverage on them because I CHOOSE too. Now the refunds are quick returns. Customer service staff are professional. Everything is self-explanatory on the paperwork that has been sent to me or if I look online. Again, if you don't understand something call customer service. I have had no problems with anyone, past or present and I have been with them for 2 years so far.
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5

out of 5

POSTED: | BY: Barbara Cazanave

Submitting a claim is easy and being…

Submitting a claim is easy and being reimbursed is quick. All my questions were answered with satisfaction I’m glad I insured my pets with Embrace.
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5

out of 5

POSTED: | BY: Jeff Zimmerman

I had help from two different gals

I had help from two different gals, they each were very helpful and sweet!
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2

out of 5

POSTED: | BY: Melanie Ingreso

I’ve had this for about eight months…

I’ve had this for about eight months now paying about $60 a month. I rescued this little guy from the shelter and he had been trying to get out of his crate there and had a little hair loss at the top of his head which was noted when I took him in to get a check up, took him in for a yeast ear infection, and somehow that is related to the hair loss and is not going to be covered. I also had an issue with him having diarrhea and the doctor treated it with probiotic instead of medication because they treated it with probiotic insurance will not cover the visit so I am not having much luck with them. I’ll be surprised if they ever pay for anything if I keep them.
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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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