Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
3

out of 5

POSTED: | BY: Jay Crumbie

Bought insurance over phone from…

Bought insurance over phone from employee of company. Had a question about insurance policy and called company. Recording said I was number 53 in line to speak to customer service representative. 53!! I then called “direct number” of employee I bought policy from. Answering machine told me to leave a message. I did. Still no return call! So far, I’m not impressed.
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3

out of 5

POSTED: | BY: Greg

It was easy to submit a claim

It was easy to submit a claim. We'll see if they pay in a timely manor, or if they cover this procedure, and what amount.
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5

out of 5

POSTED: | BY: Sherri

I Love Embrace

Embrace Insurance has helped me to give my senior dog the proper care that he needs to be comfortable and happy.
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5

out of 5

POSTED: | BY: Linda Scarlett

One of the best investments I've made…

One of the best investments I've made for my best friend! When I started researching pet insurance, Embrace was rated one of the best. They have reimbursed me for her well exams and they are prompt and responsive. Customer service is amazing-the representatives are always helpful and informative! Thank you Embrace for helping me take care of my pup!
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5

out of 5

POSTED: | BY: Maria Vicenta Pacheco

Pixie’s emergency operation

Last month, my fur baby was diagnosed with pyometra (bacterial infection of the uterus) and needed to have surgery because the condition is life threatening. The operation was expensive since it is an emergency procedure but Embrace covered most of the charges and I was able to get my claim reimbursement on time.
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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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