Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: customer

Embrace answered all my questions…

Embrace answered all my questions thoroughly and processed my claim paperwork within 24 hours. I was very impressed with their level of serivce and efficiency.
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5

out of 5

POSTED: | BY: Dobegrl

I have no complaints at all with this…

I have no complaints at all with this company. Great service. The only improvement would be paying the vet office directly.
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5

out of 5

POSTED: | BY: Jay M

Embrace stood behind me all the way.

With two pets covered by Embrace, it has proven to be a very sound investment. After ingesting a rock, my Lab required abdominal surgery. Embrace was right there with me every step of the way.
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1

out of 5

POSTED: | BY: kimberly seay

I feel the policies are too expensive, too many pre existing, cannot get thru on the phone line, FAQ's page is worthless

I feel the policies are too expensive. Instead of giving you all 160 dollars a month I should have put those monies in a bank account since most things you claim are pre existing. After one year of coverage, I submit a claim for $206.00 and I find out I have a $500 deductible. Secondly, I tried to call and was on hold for 20 minutes prior to disconnecting. Lastly, after going thru the website to submit the claim it kicked me out and make me complete it all over again. Horrible experience, I will be discontinuing coverage with you all, with more thought about all the exclusions you have on my two pets makes sense to just save the monies and put in an acct.
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1

out of 5

POSTED: | BY: Mackenzie Rose

SCAM

SCAM. If you don’t get insurance when your dog is born, everything will be considered a preexisting condition.
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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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