Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Jolene

Customer care first call

I want to make clear that this is a review based solely on my first interaction with customer care. This is the first time we’ve purchased insurance for our pets. Having worked years in the veterinary field and also having animals of our own has made me realize just how important having our fur babies insured is. I had some questions that were a little confusing about the initial appointments that were needed to ensure their coverage wasn’t interrupted or questioned. I had gotten several emails regarding the initial visit for our three dogs. They all have been seen within the last 12 months and I wasn’t sure if the records from all of those visits were sufficient or if they needed new appointments specifically for insurance purposes. The lady I spoke to was so helpful and kind. She explained that the day before our waiting period is over they will contact my pups DVM and request the records for themselves. That they wouldn’t need new appointments unless they hadn’t been seen within the last 12 months or there was an issue in which case they’d reach out to me and try to clarify before having them seen. She was incredibly sweet and answered all my questions in a way that was easy to comprehend and didn’t leave me with more questions. We’ll see how everything works out when I may need to file a claim or have interactions aside from today. I appreciate reviews by others and love leaving them too. So there will be more in the future. Good or bad, I love that there’s a place to share with others about experiences so we can make sure we’re doing what’s best and giving what’s best to our furry family members. So far so good embrace!
5

out of 5

POSTED: | BY: Caroline Sawyer

Our Lucy is a big girl

Our Lucy is a big girl, a St. Bernard, at 160 pounds and when she is not keeping her food down for more than a day it's a big deal. We took her to the vet and learned she needed an X-ray of her belly. We were lucky, it wasn't a blockage but I felt very happy that we had pet insurance behind us if it had. Thank you Embrace!
1

out of 5

POSTED: | BY: Erik George

BS company

Raised my rates because we moved. Same vet, same cat, same furniture but different living room. Maybe they think my cat is driving our car? Not sure how our new address makes him a higher risk.
5

out of 5

POSTED: | BY: Leslie Rocco

All good things to say

Completing our 1st yr. They pay lightening fast, pay on what is covered and their app is super easy. It was a huge decision and not cheap but Embrace is a quality company.
5

out of 5

POSTED: | BY: Gwynne

We've been with Embrace for over 10…

We've been with Embrace for over 10 years and so glad we went with them when we saved 2 cats when they were very young. It's always been very easy to work with them.

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 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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