Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Jean

Embrace Pet Insurance is the BEST!!

As a relatively new Embrace Pet Insurance customer, I have had a GREAT experience with the Embrace claims staff and customer service team! I had extensively researched pet insurance options and know I made the best decision to choose Embrace. The insurance options are numerous and affordable, the claims process and reimbursement is FAST, and the claims staff and customer service team are FANTASTIC to work with! I highly recommend Embrace Pet Insurance to anyone wanting to provide their pet with the best insurance available with affordable options for every budget!
4

out of 5

POSTED: | BY: Laura

Very Helpful and Understanding

The call wait volume was not crazy, so I wasn't on hold for that long. Once Jess began speaking with me and began the process of getting my quote together, it was a very enjoyable experience. I was talking to a real person that was interested in helping me find the right insurance policy that worked for me and my Fur-baby.
5

out of 5

POSTED: | BY: Robin

I know Embrace Insurance is there ever step of Rylee’s life.

Rylee is my second Scootish Terrier to be insured by Embrace and I would have it no other way. I have never had any problems with there coverage and refunds were fast. There Wellness plan is the best and covers so many needed items to keep you pet healthy. It’s such a good feeling when I take Rylee to the Veterinarian I don’t have to worry about “How Much It Will Cost”. I have Embrace there to help me make the best care decisions for Rylee and help with the payments. I highly recommend pet insurance to all my pet owner friends and people I meet in the vet office or just happen to talk with walking there dog. Robin
1

out of 5

POSTED: | BY: Ken

Unique definition of preexisting condition

At the time of application, the company reviewed vet notes for previous 12 months. Those notes reflected one instance of vomiting and two instances of abnormal lab results. The only definitive diagnosis of a specific illness was a possible urinary tract infection. The company implicitly advised it would not cover any future illness that occurred within 12 months of the above findings if any of those findings reappeared in the future, unless it was proven the finding was unrelated to the new illness. It appeared to me that if my pet vomited again within 12 months and if that turned out to be a symptom of any illness whatsoever, there would be no coverage. My conclusion was that the company would be providing accident insurance only -- no illness coverage. A rather unique definition of "preexisting condition!"
5

out of 5

POSTED: | BY: Kris

Awesome!

So helpful and easy. So worth it
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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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