Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Whit Bo

Zero If the website allowed me

Zero If the website allowed me. Please, I urge you to go read Embrace's reviews and responses to said reviews on the BBB website. The reviews are more detailed so you know EXACTLY what Embrace's does and does NOT due after they have taken your money! Bottom line: They don't review your pet's medical history prior to purchasing a policy. They self diagnosis your pet with pre-existing conditions and illnesses even when a Vet has NOT, even with medical documentation of no such condition/illness. Then deny, deny, deny!
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5

out of 5

POSTED: | BY: Toni Fauntleroy

Always excellent

Always excellent! Very fast claim review and reimbursement!!
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5

out of 5

POSTED: | BY: ann Agnic

The Best Pet Health Insurance!

For anyone who thinks that pet insurance is not a worthwhile expense, let me tell you, that without the amazing team at Embrace, I would not have been able to pay for the critical emergency care my 10 y/o frenchie Abigail needed during her health crisis. Thank you to Katie, Danielle, Morgan, Marisol and the whole team for helping to save her life and whose compassion and caring is beyond exceptional! I am eternally grateful.❤️ Ann Agnic Mission Viejo, CA
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5

out of 5

POSTED: | BY: customer

Submitting claims

Submitting claims was easier than anticipated it to be.
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5

out of 5

POSTED: | BY: Joseph Rutherford

I had several questions Questionsand the…

I had several questions and the associate was very helpful. He knew the answers and was easy to understand. Only complaint was being on hold for 20 minutes.
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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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