Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Hulagal

I was pleasantly surprised with the…

I was pleasantly surprised with the professional customer service and support I received from Ash(pet insurance agent). I felt comfortable and completely satisfied with his help in obtaining my new pet insurance. And I was also happy that Embrace offer affordable pet insurance for my dog. Thank you 🙏🏼
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5

out of 5

POSTED: | BY: Phillip Baggett

Excellent

Excellent, compassionate service. Easy and efficient claims process with a great website. Will insure my other cats here soon.
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1

out of 5

POSTED: | BY: Phil Traficanti

Shame on this company to tell you up front that conditions are covered and then after you obtain coverage and pay the monthly fee they then deny coverage .

As for Embrace’s response to my very negative review they absolutely DID NOT make any attempt to offer a complimentary pre-assessment prior to obtaining my credit card information. I did provide their customer service the information re: my pets chipped tooth and I was told that the dental condition would be covered & Embrace did a 100% about face on this . Additionally, they inform me after 4 months that orthopedics would not be covered for the first year which is yet another hidden exemption on their part to charge the customer for something they say is covered and then make an arbitrary decision to deny this very important coverage . To reiterate embrace employs deceptive tactics to deny coverage and ultimately provide false information to the prospective customer prior to obtaining coverage .
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5

out of 5

POSTED: | BY: Dave

Helpful

Helped me select right plan for my needs.
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5

out of 5

POSTED: | BY: Robert

All of my questions were answered and…

All of my questions were answered and it was explained to me on how the policy worked
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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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