Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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.
1

out of 5

POSTED: | BY: chris osborne

False advertising. Waiting period for Ortho injuries including breaks

I read the entire policy and website before signing up. I even read their sample policy. After signing up, I tried to get a copy of the orthopedic report card only to find out that they no longer accept it despite what the website and policy state. Rest assured I'll be filing a lawsuit if something happens to my dog before I can switch him to a better company. If they can't even follow their own policy or website, you definitely can't trust these guys. I'll be filing a bbb complaint as well. Go elsewhere.
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5

out of 5

POSTED: | BY: Eva M Mosqueda

It was easy to sign up

It was easy to sign up. Brad was very polite and easy to talk to.
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5

out of 5

POSTED: | BY: Vince Shykes

seems to be easy to file claim

seems to be easy to file claim. will you notify me of the status of the claim?
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3

out of 5

POSTED: | BY: Jane

I spoke with an insurance lady on the…

I spoke with an insurance lady on the phone. She was very eager to get my business. And was very energetic and excited and gave me a lot of information. I signed up. Then I tried to set up my account and I was having a hard time, I called her and asked her to call me back and I never heard back from her. I found that disappointing.
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5

out of 5

VETERINARIAN: Cilley Veterinary Clinic

POSTED: | BY: Maureen

Wouldn't have a pet without insuring it with Embrace

I have had wonderful experiences with them and have had them for over 10 years. I have never had an issue with any claims and submitting a claim is super easy. I have it set up so the refund goes directly into my checking and is there within days of submitting my claim. I tell everyone about Embrace. We were out to dinner with friends and I told the waitress who just got a new puppy to get Embrace. There will always be emergencies with pets. It's wonderful knowing Embrace has our backs.
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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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