Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Roberta Martellucci

customer service sub par can't…

customer service sub par can't communicate via their web-site, email, and impossible by phone. ("always busy..high volume")
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1

out of 5

POSTED: | BY: Rob McCaskey

Company refused to cover a new…

Company refused to cover a new condition(ear allergies) because my dog had an ear infection 9 months ago. These are two unrelated conditions with two seperate causes. I am appealing the decision.
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1

out of 5

POSTED: | BY: Cicil Ghobrial

I paid 800 $ to get 90 $ I am not happy…

I paid 800 $ to get 90 $ I am not happy with your service I’ll finish the year and I’ll find another company more reliable
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5

out of 5

POSTED: | BY: Susan Johnson

Very easy to submit a claim

Very easy to submit a claim. I had my documentation ready. I just filed 3 claims. It took less than 10 minutes. A very clear and easy process.
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5

out of 5

POSTED: | BY: Elizabeth Aron

I have had Embrace for my three animals…

I have had Embrace for my three animals for many years and have been very happy with it. I recommend Embrace to all my friends and family. The rates are good and are steady and they pay every time.
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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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