Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Bobbie Jo Allen

Priceless Peace of Mind

The people at Embrace are easy to deal with and customer service is always great. The policies are very adaptable and response time is quick. I had a serious issue with reimbursement but they fixed the problem instantly and made sure I got the correct solution. Peace of mind for my dog who seems to find trouble in off vet hours—so worth it. Thanks Embrace.
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5

out of 5

POSTED: | BY: Michelle Dent

Great customer servjce

Customer service is courteous, friendly and professional. Made an error on a claim and had to refile and the process was very smooth and handled expeditiously with updates provided in a timely fashion. Very satisfied customer.
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1

out of 5

POSTED: | BY: S Forman

Insured my girl as a puppy

Insured my girl as a puppy, assuring no rate change based on age. 8 years later, fortunately healthy. No accidents, major illness. No claims submitted last year. Just DOUBLED her rate— agent told me age a factor. Nasty, deceptive people.
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1

out of 5

POSTED: | BY: Ratzbunja

They get one star as that’s as los as…

They get one star as that’s as los as the scale goes. File a claim for my dog for an ear infection. Nothing happened “waiting for complete medical records. If he had another at infection it could be some remote disease they wouldn’t cover”. A diagnosis from a licensed veterinarian who need that we have an intake clown with a computer that will diagnose without ever seeing the dog. Don’t waste your money some clown with a computer will decide coverage not an actual diagnosis from a real veterinary doctor. They make United healthcare care see caring. Their reply contradicts what their employees tell you. They decide not a vetinarian . Their reply is standard corporate crap they want you to believe. They claim to treat you like family. They just don’t tell you it is a toxic disfunctional family.
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4

out of 5

POSTED: | BY: Mimi Parks

Offers a lot but the process and refund process take to long

Offers a lot but the receiving , reviewing & process and especially the refunds take to long . Im thinking of finding another pet insurance company
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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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