Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: Fran Magee

Not too impressed

I’m not impressed with the handling of anything regarding Embrace. When I need to speak with a customer service representative, I spend ridiculously long amounts of time on hold. Then the people dealing with the claims often seems less than caring or knowledgeable. Not thrilled that I switched to Embrace.
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5

out of 5

POSTED: | BY: Rita

they pay

they paid what was to be paid even thou i only had a few days before the dogs accident. thank you embrace
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5

out of 5

POSTED: | BY: Rose Artis

The process of attaining insurance for my service dog.

Although, I have yet to receive actual service with my pet insurance the experience, price and customer service was top notch. Thank you for helping me get peace of mind ensuring my service dog is going to be well insured.
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5

out of 5

POSTED: | BY: Mauricio Romero

Bay Shore Animal Hospital is a loving…

Bay Shore Animal Hospital is a loving and caring animal Hospital. The Staff and Veterinarians at Bay Shore Animal Hospital are the greatest, they are caring, loving, compassionate, knowledgeable and skilled team of professionals. "I AM VERY HAPPY" as a pet owner to bring my dog to this Hospital.
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1

out of 5

POSTED: | BY: Jf

Took over 3 months to get a single…

Took over 3 months to get a single claim processed. They constantly sent emails for information that was already sent multiple times. A couple days before the first claim finally processed, Embrace decided to send me an email containing a ton of "permanent conditions" that would never be covered by the insurance. This rendered the insurance basically useless. They did eventually send me a very disappointing check. I would not recommend this 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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