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.
5

out of 5

POSTED: | BY: Julie

Definitely a great pet insurance

Our experience with embrace pet insurance has been nothing but positive! Customer service is great fast and efficient, turn around time for reimbursement is quite quick and the entire plan just makes life so much easier when you have pets.
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5

out of 5

POSTED: | BY: Byron

The quick and easy way of making a…

The quick and easy way of making a claim on line
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4

out of 5

POSTED: | BY: Alan Duryea

Not the message I wanted......

The way Amy handled the situation with me. I called to cancel my membership because I was disappointed in the coverage of the Wellness Program. Claims for our two golden doodle puppies maximized the $650 each during the 4 month membership. Amy reminded me of the disclaimer I agreed to when signing up in April. It was not what I wanted to hear but she was extremely professional and understanding. She offered me an option to reduce the premium while I continue the commitment to fund the Wellness Program through the remaining 8 months.
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5

out of 5

POSTED: | BY: Carolyn Gavares

Easiest claim process ever

Easiest claim process ever. Well worth the investment if your fur baby becomes ill.
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1

out of 5

POSTED: | BY: ann

Don’t fall for it

Don’t fall for it. Unless you insure your oet at birth, be certain that Embrace will comb their history for any and all exclusions. Who knows, maybe they comb the mother’s history too🙄. This is not like the health insurance with which you’re probably familiar. Save your money and just pay the vet bills as they come. You’ll at least save yourself the cost of premiums.
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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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