Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Margaret Willis

Their customer service is superb

Their customer service is superb. The only negative thing I can say about the company is that as the pet gets older the premiums become prohibitively high. But they always reimburse on a timely basis and their customer service is great, the best around.
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1

out of 5

POSTED: | BY: Phil Moore

GREAT BENEFIT… After years of paying premiums this…

After years of paying premiums this company ran me through the ringer to get reimbursed for an emergency room visit that ended in euthanasing our pet. I’ve had 2 claims both were eventually approved but not for over a mont until I did all the leg work collecting vet paperwork. GREAT BENEFIT has nothing on them
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5

out of 5

POSTED: | BY: John Tindall

Very Helpful

Great service very knowledgeable customer service.
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5

out of 5

POSTED: | BY: Dayaker Rangineni

One of the best insurance providers

One of the best insurance providers. No hassles. Everything is straight forward.
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1

out of 5

POSTED: | BY: Antoine Rivière

Can't recommend

i had a really bad experience with them. they refused to cover my cat's procedure and treatment because of pre-existing conditions. I spent hours on phone with them, and provided signed documents by multiple veterinaries to contest the pre-existing condition that embrace invented. They finally changed their mind. Just for them to raise their prices by 50% the next year.
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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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