Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Ruth Byrne-Quinn

Our dogs strychnine poisoning

Our dog Polly collapsed at home and was immediately taken to South AZ Vetinary Hospital she was not expected to live. After 3 days in intensive care we were able to bring her home where she continues to recover.She received excellent care. We were pleased with Embraces' insurance and prompt payment. We have reccomended you to other pet owners.
5

out of 5

POSTED: | BY: Claudia

This is why I have Pet Insurance

Having Embrace pet insurance took the financial worry out of a resent illness. As we all know going to the vet is costly and when you are repeatly going for a illness the bills add up quickly. The customer service is first class. I really appreciated the follow through from the customer service represntatives on the my claims status. They covered all the expensed I expected them to cover. I never regretted having this coverage for my beloved pet.
1

out of 5

POSTED: | BY: David

Worst insurance ever

Embrace is the worst insurance provider. They will assert that anything wrong with your pet is a pre-existing condition. As far as I can tell, this company is a sham.
5

out of 5

POSTED: | BY: Alyce Spoto

Claim reimbursement

My dog wouldn't be alive today without embrace. 'Nuff said.
5

out of 5

POSTED: | BY: Rebecca

Excellent communication & turn around time

Love the personal and prompt communication. Excellent claims payment- timely and accurate. I've been a customer for years and am always impressed with the service and payment. Thank you!
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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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