Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Marilyn

Embrace is one of the best companies out there!

I've had other companies that do not pay out as much as you do ...you guys are the very best & professional, friendly , and you pay your claims quickly!! thank you for your great service!
5

out of 5

POSTED: | BY: Karen

Fast efficient service!

Very good service, great people, Fast return on my check!
4

out of 5

POSTED: | BY: roger

Friendly folks, who aren't perfect, but try hard.

Stella, an 8 year old English Springer Spaniel, developed a mass at the base of her tail by her anus. Vet excised mass, had it checked, and thank goodness it was not malignant. Also, two years ago, Stella tore her ACL in her right knee, which required surgical repair. Embrace paid 90% of both of these procedures. Thank you Embrace for providing this insurance product in the market. It is needed. Roger
5

out of 5

POSTED: | BY: Doreen

Embrace's customer service representatives has been exceptional.

My Ragdog cat has come up with chronic cystitis, which requires prescription medicines and going forward fairly frequent checkups to make sure his prescribed medicine is doing the job. Each and every time I have called customer service, everyone I talked with is more than helpful and has assured me my claims are covered. To me, it's a comfort knowing I have this insurance.
5

out of 5

POSTED: | BY: George

Always prompt, willing to listen

Every claim I have submitted has been promptly acknowledged and reviewed. The specialist always answered my questions, and if there was any disagreement, they were willing to listen and consider my side.
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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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