Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,906

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: Sandra

Reneges on contract after the fact

Filed a claim because my cat ate some plastic from a brush. Had to take the cat to the vet and spent a night at the hospital. A month after I filed the claim finally get an email that my cat now has a pre existing condition and will not be covered for pretty much anything. Apparently eating plastic in 2017 was predicted in 2015 when he had a cold.
5

out of 5

POSTED: | BY: John

Best Dog pet (Dog) ever

We did not have pet insurance on our 1st Newfee, we were talked out of it by breeder and vet. Kept hearing they take your money and always find ways to not pay claims. Our 1st Newfee had major medical problem at 8 months, one emergency surgery and one scheduled surgery all within 24 hours, total of bills over $10,000+. Fellow Newfee people told us about Embrace Pet Insurance so when number two came along we went with Embrace and we are so happy we did. They pay what they say they will pay in your insurance contract plain and simple. GREAT PET INSURANCE.
5

out of 5

POSTED: | BY: Teena

Better than anticipated

Our dog has had several unexpected problems this summer and Embrace covered it all. No hassle and fast. I’m impressed.
5

out of 5

POSTED: | BY: Lee

Great customer service

Customer service always is super responsive and helpful. You can tell each person really wants to help you! Furthermore I think the terms of the insurance are straightforward and understandable.
5

out of 5

POSTED: | BY: Cara

Dependable

They cover what they outline they will cover in the plan without a hassle. They are quick and reliable. I am so glad I have my canine insured. It gives me peace of mind and allows me to get him the best care possible.
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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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