Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Nancy Entwistle

The price the process is very quick and…

The process is very quick and this company is very quick for responses and questions and makes being a pet owner that much easier.
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5

out of 5

POSTED: | BY: Rebecca Frese

was professional and…

The perdon was professional and knowledgeable as well. Easy to talk with.
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5

out of 5

POSTED: | BY: Cassandra Fowler

Easy and straight forward.

Easy and straight forward.
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1

out of 5

POSTED: | BY: Susan Greenwood

so far, not so good

so far, awful. We got Embrafce insurance recently. Sadly, my dog got badly hurt when she got inadvertently stepped on and then squished in a door (long story, no mal-intent, but dementia is a factor with the culprit) Embrace is denying the claim saying it is orthopedic and not covered yet. INSANE! unless they turn around the decision, I will drop and get another.
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2

out of 5

POSTED: | BY: Nicole

No one answers the phone

The app is really easy to use, reimbursements are easy to receive. However, no one answers the phone and it took awhile for an email response that wasn’t an automated response. On top of that, even that person said she didn’t know why my claim wasn’t re-opened automatically after receiving the necessary records when it should have.
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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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