Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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.
4

out of 5

POSTED: | BY: Lindsey Clark

I submitted my pet claim on line and…

I submitted my pet claim on line and the process was very easy. Now will wait to get reimbursed.
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3

out of 5

POSTED: | BY: Amy Cooper

Overpriced

I wanted to add an additional pet to my Embrace policy. After researching pet insurers, I found one with the same benefits + more that was HALF the price. Also, Embrace has many restrictions related to making changes to the policy. I guess I should have done more research!
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5

out of 5

POSTED: | BY: Kimberly Ann Sullivan

The ease of communicating with customer…

The ease of communicating with customer service for my multiple claims submissions on “how to” was very much appreciated, no nonsense.. just clear concise instructions! I find the site very user friendly for even those who are not tech savvy!
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5

out of 5

POSTED: | BY: KAY MCGINNIS

I can't say enough about the customer…

I can't say enough about the customer service, phone calls I have made and claims being processed. I am on my third Golden Retriever and never had insurance on my other two. Both had passed of cancer which is common for the breed. For that reason I decided to get insurance for my current dog, Jazzy. Unfortunately, Jazzy is getting into everything and I have had to use it a few times. Trust me I wish I never had to. I can't say enough good things because Embrace has been there with no issues. What drew me to Embrace is the ability to customize the plan and the option for preventive care. Very glad I have them.
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2

out of 5

POSTED: | BY: Name

Depending on who you talk to

Depending on who you talk to, you might get a straight answer. My representative doesn't seem to listen or know the company policies, so had me doing the run around and paying for extra vet visits. Extremely upsetting.
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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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