Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Anne Shibley

My Experience

I had an emergency experience with my pet and the added stress of $ came to mind. I am so thankful I had Embrace and they were supportive after talking through the next steps.
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5

out of 5

POSTED: | BY: Scott M.

Embrace has always been there to support our beloved fur babies!

Embrace has always been there to support our fur babies in a time of need. I highly recommend Embrace to all my family and friends and look forward to keeping their services for as long as we have our fur babies around. Truly Excellent customer service, and support!
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5

out of 5

POSTED: | BY: Richard Jaquess

Had to take my 2 cats to the vet and…

Had to take my 2 cats to the vet and received quick, great service
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5

out of 5

POSTED: | BY: Phyllis J Henry

I was extremely pleased with the Claims…

I was extremely pleased with the Claims Service I've had since becoming a Member of Embrace Insurance. The Company is thorough and prompt in reviewing Claims submitted, and notifying you of the Claims decision.
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4

out of 5

POSTED: | BY: Sheila edwards

Suprise inititial start up of service

i gave this 4 stars due to ease of submission of request and the response back with completed decision. The plan i have is for 2 pets, one puppy and an older dog. The puppy we got at 8 weeks and had hook worms. They would not cover the expense of hook worms because they said it was preexisting??? i had started the service way before we got the puppy so we would be good to go for any issues, well apparently not. they denied my claim as previously stated it was pre existing. Well of course it was it's a puppy and probably had them when she was born after two days we took her to vet and found out she had worms. I was really shocked , but other than that all other submissions have been explained and processed. It was outside of the 14 day waiting period check Your records.
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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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