Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Kelsey Hamilton

Great experience with Embrace!

Embrace pet insurance couldn't be easier to use, which is something I appreciate. Filing a claim is easy and if I have any questions, customer service is always friendly and helpful. Fairly priced and we have had it for over 4 years now with 2 of our dogs. Great experience with Embrace so far!
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5

out of 5

POSTED: | BY: Ted and Linda Heath

Rebecca was able to answer all of our…

Rebecca was able to answer all of our questions. Then sent the quote to our email for our review. This gave us an opportunity to decide whether this insurance was right for us. We took a couple of days to look at it and come up with new questions. We called her and got the answers we were looking for. Then decided to purchase the insurance. There was no hard sell, just forthright answers.
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5

out of 5

POSTED: | BY: Joni Bell

Great Customer service

Great Customer service, kind compassionate and well informed
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2

out of 5

POSTED: | BY: Deborah Malak

Not Happy

I am not sure why they do this but, my dog punctured his front leg and had a patch of skin hanging. Vet did sutures and before covering the surgery Embrace required all medical records from all vets he may have seen. This I can understand. However, my pup broke open his wound requiring an additional two surgeries and again, embrace is requiring all medical records from all current and prior vets. They already have this information. Why are they making me wait for reimbursement? Do I have the option of paying them only when I know that they will cover a procedure? No. So review your records and reimburse me. This is why I have insurance because sometimes life happens.
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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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