Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Hannah

DON'T MOVE ADDRESSES IF YOU HAVE EMBRACE

BEWARE!!! For simply moving addresses (less than 10 miles away from original location) they will try to increase your monthly rate by 60%!! I was paying $47.47 for living in La Mesa and moved to Santee (less than 10 miles away, less than a 15 minute drive, and was still planning on using my original vet in La Mesa) and for simply updating my address on file, they tried to increase my rate to $79.13!!! ABSOLUTELY OUTRAGEOUS, if you ask me. We immediately (and gladly!) switched pet insurance companies and I advise you do the same.
5

out of 5

POSTED: | BY: Kim

Excellent coverage

In March one of my dogs was diagnosed with Addison's disease and required 3 days of care. Embrace reimbursed me 80% after the remaining deductible was met. She currently has to have monthly shots and daily medication to control it, which cost over $200.00 per month. Embrace reimburses me 80% on the medication after deductible is met. I have had pet insurance on my pets for several years, but Embrace provides the best coverage for the services my pets need.
5

out of 5

POSTED: | BY: Louise

Love Embrace

You folks are very helpful and cover so very much
5

out of 5

POSTED: | BY: Ronald

Great Customer Service

I have had Embrace Insurance now for several years and I am extremely pleased with the customer service, immediate follow-up, and the professional and gracious way that every representative of the company has dealt with me. They understand the anxiety that people have when their pet is sick, and how financial expense just compounds the frustration. I only wish my family health insurance company was as client-oriented as Embrace.
5

out of 5

POSTED: | BY: Larry

Quick Response

After reporting a reimbursement oversight to Embrace, my inquiry was quickly answered and resolved. This level of service is what I have come to expect from Embrace.
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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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