Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Lynda

What I have experienced with Embrace

This is my first experience with pet insurance. I have heard so many negative things about pet insurance from other people I was hesitant about it. Submitting my first claim was easy and Embrace responded quickly. All of my interactions with customer service representatives was friendly & professional. I will refer Embrace to friends & family
5

out of 5

POSTED: | BY: Laura

My First Wellness Claim

Very happy I got this insurance, and extremely happy with the professionalism and great service of the agents that have assisted me. Within 3 days my claim was taken care of, and the transaction could not have been easier. Thank you Embrace!
5

out of 5

POSTED: | BY: Ellen

Quick Reinbursement

I brought my 10+year old Boxer in to the vet for uninary problems and also had a senior checkup. Embraced covered more than half for which I am very happy. Within a week, I received my reinbursement.
2

out of 5

POSTED: | BY: Virgilia

I was not clearly explained my coverage limits

I was heavily disappointed when I received my dog's review of medical history. While I submitted his medical history in April, at the beginning of our coverage, I was not provided with an overview of what charges would and would not be covered until September, when I submitted his claims. While the e-mail said the medical history reviewed was shared with me to "avoid surprises" I think it was extremely irresponsible to not provide this review in a timely manner. Had I known from the beginning which items in his history would be considered "pre-existing" and this not covered, I wouldn't have wasted my time and my vet's time in submitting our claims, as the majority of them were declined.
5

out of 5

POSTED: | BY: Shannon

Embrace all the way

I never thought I needed pet insurance, I thought it'd be a waste of money. Boy was I wrong. If it wasn't for embrace I don't know what I'd be doing right now. There staff is helpful and knowledgeable. And they have supported me and my puppy through some unforeseen circumstances.
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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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