Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Yoshimi Core

Best Customer Experience

My initial phone call to Embrace to my customer service representative was impressive. She display great empathy for my situation and put me at ease, excellent communications and checks for understanding me and the procedures/process I needed to follow. I would hire this person to represent me!
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5

out of 5

POSTED: | BY: Daniel Andrade

Completely Satisfied

My claim question got answered and issue resolved timely.
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5

out of 5

POSTED: | BY: Barbara Jeter

They understood my pain

They understood my pain
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5

out of 5

POSTED: | BY: bill rouse

BEHR and I love Embrace Pet Insurance

BEHR and I love Embrace Pet Insurance. Filing a claim is effortless and quick. And we love everyone working at the Animal Eye Guys in Coral Springs. We feel like family. They all truly love working with animals.
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4

out of 5

POSTED: | BY: Judy Ostertag

I have used this company for many…

I have used this company for many years. I also used another company previously with other pets so am familiar with insurance companies. You need to understand how they work or you could be upset. And for any orthopedic issue they want an initial exam by the vet indicating no hip or shoulder displasyia, etc. or any pre-existing conditions. Also, no allergies or will be considered pre-existing. Not like human insurance. Seems unfair. This is why I don’t adopt senior pets, unfortunately. 30 day waiting period and no pre-existing conditions. My insurance on my 2 dogs is significantly higher this year and they are only 10. I say this because my large dogs usually live till 14 years. I’ve had this insurance since adopting them at 2 years. I feel they are fair and the process is simple.
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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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