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.
4

out of 5

POSTED: | BY: G.S.

Pleasant

Nice people to work with. Unfortunately, I've had to submit several claims for my 6 month old. I'm so glad I got this insurance. The people that I've dealt with have been very pleasant and returned my emails in a timely manner.
5

out of 5

POSTED: | BY: Kathleen

a valuable safety net

My dog is only four, so I couldn't have imagined that she has an autoimmune disorder. It nearly killed her over the holidays, and I had to face the choice that many pet owners dread. Because the onset happened Thanksgiving, and because she was so critical, I had to take her to the emergency center, which cost more than $5,000. Thankfully, she's stable now. And her policy deductible had been paid earlier in the year; so Embrace covered approximately 90% of the bill. What a relief!! Especially around the holidays. To top it off, the customer service is consistently good. I've had nothing but pleasant experiences with their reps, who genuinely seem to care about the pet and making sure your claim gets processed. I highly recommend Embrace (and have already to my friends).
1

out of 5

POSTED: | BY: GAYLE

Very Unhappy

Dont believe the other reviews, They never paid a claim that I had, and gave excuses such as they dont have enough information. My vet submitted everything needed. DONT USE THIS COMPANY! THEY ARE A RIP-OFF!
5

out of 5

POSTED: | BY: Karen

Great coverage and very timely payment of claims

I was informed by an Embrace consultant about my wellness coverage for my dog Allie. I took her to get her annual heartworm test and bought a year's supply of Sentinal thanks to Embrace at no additional cost. I am very excited about this benefit that I upgraded Allie to the superior wellness plan. Thanks Embrace!
5

out of 5

POSTED: | BY: Terr

Great service-prompt replies

I always get a prompt reply to my questions and/or claims. I had a different insurance plan for my dog & cat, that just dropped me. So far Embrace has been prompt, courteous and just great.
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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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