Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Alfred Hebert

Very efficient service.

The claim was processed from start to finish in 2 days. Based on my experiences with other pet insurance companies, this was lightning fast!
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5

out of 5

POSTED: | BY: Ruth Garcia

Very easy to fill out out claim

Very easy to fill out out claim. I hope I get some compensation
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5

out of 5

POSTED: | BY: Ann S

Satisfied customer

I have confidence,that,my claim was processed accurately and efficiently.As soon as I contacted Embrace about my cat's teeth cleaning,they acted promptly.I am satisfied with the time frame,that,I received my check!!!
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5

out of 5

POSTED: | BY: Steve Trachtenberg

Embrace Insurance is a great company

Embrace Insurance is a great company. The reps. were all extremely polite and helpful whenever I called.. All claims were paid. I would highly recommend them. Do yourself a favor and choose them as your pet insurance company.
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2

out of 5

POSTED: | BY: Frank Lamm

Our experience was poor with Embrace

Our experience was poor with Embrace. The issue is an overly broad interpretation of any symptom or complaint being used to declare any diagnosis as preexisting. Our 1 dog had been noted by a conscientious vet as being witnessed to lick her vulvar area. She later suffered a urinary tract infection many months later which was excluded from coverage. I don’t know of any dogs that don’t lick in that area so therefore UTI s and their side effects should just be excluded up front. Essentially if you have a conscientious vet you will be left uncovered for years to come. On the issues they occasionally covered they did a passing job. For the most part it is like not having insurance
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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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