Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,802

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: Maria Eborn

Christal was so knowledgable & Compassionate!

Christal was very compassionate. Understood my pain of losing my dear little cat. Also answered all my questions thoroughly and professionally. She was able to help set up an account for 2 little rescue kittens I got from the shelter and accessing the Embrace App for the former and new policies and finding the best maximum protection for their annual insurance plan. She was outstanding in every way and really help me to understand how the Embrace Insurance works. And she also helped me to retrieve a gift card online for referral I had done to a co-worker a few months back for her kitten to embrace. I love the rewards for referral since you can choose any type of card. Since I shop at Target, that worked for me. I was able to get more cat toys and cat food with this reward. And I loved it Embrace is fast comment informs me of what's going on, and so efficient in processing claims directly deposited to my checking account as I set it up.
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1

out of 5

POSTED: | BY: Marcos Plaza

I paid almost $500 a year for coverage...for nothing

I paid almost $500 a year for coverage. When I submitted a claim it was denied because we did not have the Wellness Program which would have been an addition to the $500 we were already paying. No one at Embrace mentioned that program when we we first got the insurance. Metlife covers everything at 25% lower cost.
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5

out of 5

POSTED: | BY: Randy M

Embrace Pet Insurance has supported my…

Embrace Pet Insurance has supported my dog and I since I got her seven years ago. They are very responsive, extremely cordial and always helpful. Randy Magnusson
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1

out of 5

POSTED: | BY: Faith Hope

Embrace is the MOST inflexable plan for…

Embrace is the MOST inflexable plan for payments. say your water heater dies, u r a little more strapped for cash that month. they give u only 1 pass per year otherwise they keep putting your pyment thru causing multiple bank fees. life is hard, other things come up. at least 3 times a year wld seem more customer appreciated. once u hav them u r stuck bcuz most places wont cover pre-existing issues so b sure u want to embrace that which does not want to embrace u. it seems a co who is promoted highly as being proud to serve our veterans wld b more flexible. oh, and, u can't ever freaking change the due date. not even once! life insurance policies r even wayyyy more flex than this co!
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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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