Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Christina Koundouriotis

I have always had a positive experience…

I have always had a positive experience with Embrace. It is easy to submit claims refunds are deposited directly into my checking account within a few days of approved claim(s). Also, customer service associated are easy to talk to and very helpful. I also recently lost a pet and Embrace was very compassionate. They sent me a beautiful sympathy card with seeds embedded with instructions on how to plant it to create a memorial for my Bently. I was very touched. I highly recommend Embrace pet insurance.
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1

out of 5

POSTED: | BY: Anon

Terrible

I’ve been fighting an appeal for claims that should undoubtedly be covered for the past 4 months. I’ve given multiple letters and had to push back extensively, even highlighting a failure in your own insurance plan definition to show I should be covered. The original person handling my claim did not even correctly share my state laws with regards to what is covered after initially declining my claim. This has been anything but a smooth or enjoyable.
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5

out of 5

POSTED: | BY: Rita Barberousse

I am so blessed to have found Embrace…

I am so blessed to have found Embrace Pet Insurance to help care for my furbabies. They have helped me not to worry about every little ache and pain my babies may have because we are covered and protected. When you have coverage you can go to the best Doctors and get the best care. Thank you for all you do for us. Larry, Rita, Miss Coco Chanel, and Mr. DJ
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5

out of 5

POSTED: | BY: Terry Benton

Excellent experience

Excellent experience. Salesman was easy and helpful. I will recommend this company to everyone.
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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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