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: Jacki

Bladder infection

This is my first review but I've had embrace for over a year. They are great! They work quickly to evaluate and reimburse me. Also when I forget to get a claim page signed they handle it for me. They've been great to me so far!
1

out of 5

POSTED: | BY: Toriana

TOTAL CONFUSION

I got my Pit mix puppy November 3, I took him to the vet November 4. He was a rescue. He was pretty sick and had skin issues. I'm JUST finding out that his skin issues ARE not covered because it had not been a year since he was treated for it last. I'm pissed because I got the coverage because I know Pits have skin issues. I thought I explained this to the rep when I purchased it. I'm waiting to hear back after they've listened to the call to see if it was her error. I'm sure it's explained, but I either didn't understand or read it carefully enough. Just be CAREFUL read it carefully, the terms and conditions. It's stating it's a chronic issue because it's all dermatalogical. Flaky skin and hot spots are the same thing according to Embrace. Their Wellness is excellent. Just ask 1000 questions!! BE AWARE! The wording is tricky! I may owe them an apology, but I still feel duped. I'm tempted to cancel. I had recommended them to A LOT of folks! SMH.
5

out of 5

POSTED: | BY: Julie

Embrace sets a new standard. It's high.

Embrace Pet Insurance delivers it's promises and lives up to the brand. Straightforward policy, pricing and process. The best customer service I've received. EVER. Clear, quick, responsive communication. Friendly and effective customer service staff. Accurate claim analysis and reimbursement.
5

out of 5

POSTED: | BY: Lee

so far so good

going into the third year with Embrace. So far so good. Still haven't met the deductable so don't know how hard it would be to collect.. BUT that means my puppy is healthy. and I rest well with that and knowing if an emergency came up Embrace would take care of us.
4

out of 5

POSTED: | BY: Chrissi

My Best Friends vets visit

I just purchased a policy with wellness included. We went to the vet for the initial first visit as required and the claim was covered in full. That was great. However, medication for a condition that was discovered by blood work done at that visit was not covered. But we are happy with the outcome. I would recommend this to pet/people families.
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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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