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.
5

out of 5

POSTED: | BY: Jason

Great Service

I bought this service for our two kittens, not knowing how well it would work. It has been a huge help. After a few visits it as already starting paying for itself. I would highly recommend this service to anyone with a pet.
5

out of 5

POSTED: | BY: Kyna

Love Those Embracers!

My 9 year-old Black Lab just had his 3rd surgery covered by my Embrace policy! Ollie had ACL surgeries on both back legs several years ago and has now developed Medial Compartment Disease of the elbow resulting in a scope to remove a fragment. While at MedVet they found a melanoma on his iris resulting in enucleation of his eye. The folks at Embrace have always been so compassionate and have a history of processing our claims within a week. I couldn't be happier!
5

out of 5

POSTED: | BY: Daniel

Review of my claim

From my initial phone call - to your notification of payment of my claim, as always, your response was friendly and quick. My cat Sam and I are so fortunate to have you as our insurance provider. Thanks So Much Again Daniel Price and Sam
1

out of 5

POSTED: | BY: SARAH

UNSATISFIED CUSTOMER

I HAVE HAD THIS PLAN FOR MY TWO DOGS FOR OVER A YEAR. EVERY CLAIM I SUBMITTED, I RECEIVED SOME EXCUSE FOR NON COVERAGE. I OF COURSE WAS WELL PASY MY DEDUCTIBLE, BUT THEY ALWAYS CAME BACK WITH ANOTEHR REASON THEY COULDNT PAY THE CLAIM. AFTER 8 PLUS DENIALS, THEY THAN RAISED MY PREMIUM BY $50 PER MONTH WITHOUT HAVING PAID A DOLLAR IN RETURN. WILL NEVER USE THEM AGAIN AND PLAN TO LET EVERYONE INC. BBB KNOW HOW THIS COMPANY WORKS. VERY UNSTATISFIED
5

out of 5

POSTED: | BY: Stephanie

Great Customer Service

Diagnosed on a Tuesday, in surgery on Thursday, and had 80% of claim paid a week later! Wellness claim took a week longer. Overall great customer service and quick payment. Customer service reps are always courteous and know their stuff! Thanks 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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