Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
1

out of 5

POSTED: | BY: Billy

All About what they Can't do for you

Lets start by simply saying, Horrible, just horrible. They offer pet insurance but do not cover Leg Injuries for the 1st 6 months of your 12 month policy. Really Leg injuries, The most common injury for a dog period! The customer service agents read from a script so directly that they sound automated. Never in my worst fears would I have thought that when my dog got hurt that the insurance company would be the Biggest cause of stress for me and not how to pay for the surgery for the injury. Would not recommend to my worst enemy!!
5

out of 5

POSTED: | BY: William

Excellent Service

We are very happy we switched to Embrace two years ago. Excellent coverage and customer service.
5

out of 5

POSTED: | BY: Tracy

User friendly site, always updates me with claims in a timeley matter.

Embrace is a very user friendly site. I can easily see when a claim has been obtained and updates on how it is processing.
5

out of 5

POSTED: | BY: Cheryl

Happy So Far!

Starting out I was not sure the service was going to be very good. We have an older mix breed rescue and have only had a couple small claims thus far. It took a few emails and reviews to get the insurance started but at this point we are happy with the results and the correspondence is wonderful. Our rep gets right back to us.
5

out of 5

POSTED: | BY: anne

been there for us

My dog contracted lyme disease on the way home from the breeder (she is in a low tick area and I found a tick on him en route home halfway across the country). Of course we could not test for six months because they don't seroconvert until six months. Sure enough we tested him and he was positive. Unfortunately I found that out the day after I had to leave my job!!! FInancial stress!!! While I have often footed a lot of my vet bills without insurance in the past, that is not an option right now and I am very grateful to have the help with his medical bills.
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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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