Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: LATOYA MCDONALD

Quick and easy

The wait was a bit long to speak with some one but the system let's you know how far in the queueyou are as you move up in the queue. Which is really good. The agent was knowledgeable and was very nice and patient when I spoke with her. Once she explained the policy and told me to upload on the portal, that was a breeze to complete and very easy to do .. everything was seemless. I was very pleased ...
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5

out of 5

POSTED: | BY: John Mccomas

Quick response time and timely payment.

Quick response time and timely payment.
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1

out of 5

POSTED: | BY: Sev Staz

Look Elsewhere for Pet Insurance

Dealing with Embrace has been the worst insurance experience ever. Even after providing all the information to obtain pet's records, they sent several emails saying they were unable to get records. After tests were ran to ensure my new kitten's health and no disease was found, they excluded major coverage. Since the policy was not meant to cover routine care, excluding major illness made the policy useless for my pet so I requested the policy be cancelled and a refund for the policy. They refused to refund any portion of the premium. I called several times but was not allowed to speak with anyone making coverage decisions or anyone in charge of the decision. I was told someone would review my request and then I received emails disallowing coverage. I would not recommend Embrace for any pet owner.
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5

out of 5

POSTED: | BY: Kevin

End of life

I've had Embrace as a provider for my dog Buddy for almost his entire life of over 14 years. They have always been very responsive, provided great coverage, and are a good value for the money. Sadly, this was my last claim for Buddy as he just passed. My next dog will definitely be covered by Embrace!
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5

out of 5

POSTED: | BY: Diane Cooper

I was very upset over my pet Grant who…

I was very upset over my pet Grant who suddenly came down with IVDD which paralyzed his hind legs. I rushed him to the best Vet I could find and they performed emergency back surgery. The surgery was 95% successful. When I submitted my claim to Embrace I was so surprised how easy the claim process was, I was reimbursed within 3 business days. Our Embrace family cared about us both so much and I share my experience with everyone I meet, I forward the link constantly to my friends and family. I highly recommend Embrace Pet Insurance there payments are very affordable.
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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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