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.
1

out of 5

POSTED: | BY: Mike Forte

A Total Scam

Would give zero stars if able. This is just a money grab, really closer to a scam. Our dog started getting sick so we signed up for the insurance. After a prolonged waiting period, we started working up the problem. Over multiple visits we finally clinched a diagnosis, only for embrace to come back and say everything was "pre-existing". This insurance in particular and pet insurance generally is a scam. Don't sign up with these guys.
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5

out of 5

POSTED: | BY: jkeager staley

Great customer service

Great customer service! Embrace makes it easy for me every time!
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3

out of 5

POSTED: | BY: Paula Matre

It is not easy to get embrace to accept…

It is not easy to get embrace to accept the claim papers, even when they are the exact papers ( receipts) the vet gives you. When you call to get help the wait time is always very long. Last time it was over 30 minutes.
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5

out of 5

POSTED: | BY: Michael S Riffe

The Best Pet Insurance Around!

I chose Embrace Pet Insurance for several reason. Being a retired Vet Tech of over 20 years, I have never seen coverage like this before! 100% on wellness and preventative care was the selling point for me, and the representative that helped me chose my plan and talk about the options was amazing! Thank you Elijah!
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5

out of 5

POSTED: | BY: Jalexander

Very efficient and easy to use website

Very efficient and easy to use website, clear communications on status and coverage. Claim submission process is very simple.
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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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