Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: corinne freaney

swelling of foot

running in the clover caused a bee sting on her paw and a limping Petunia. our wonderful vet saw her right away as it was swelling quickly. Embrace covered the visit promptly with little wait time. very happy with Embrace for keeping my girl covered these past 8 years. those four little paws have made it through 8 new England seasons. she is my sole companion and I love her very much. I pass the word about Embrace wherever I go.
5

out of 5

POSTED: | BY: Dori

Great customer service

They are always helpful and work with you not against you. I've tried other pet insurance with other pets. This is the one I'm sticking with ans recommending to friends
4

out of 5

POSTED: | BY: Tony Butera

Good Coverage

Our pet ate some poison pellets and required emergency treatment. We paid out of our pocket and sent the bill to Embrace. We had a check sent to us within 2 weeks for part of the bill which helped out a lot.
5

out of 5

POSTED: | BY: Carlyn Clark

Greatful for the coverage!

Coverage is great and reimbursement is fast without issues.
1

out of 5

POSTED: | BY: David Casey

Terrible

I've had Embrace for my pets for several years and never had a problem with them paying my claims. However my last experience was the worst customer service I've experienced. I honestly believe it was due to one employee. Her attitude was one of just not caring and very controversial. Because of my pets aging I will continue to do business with the company but I don't recommend them to anyone else. Until they investigate my claim and find out why this employee doesn't care about who pays her salary please chose another pet insurance company
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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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