Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Laura Wooding

Loopholes and unclear wording

They take advantage of pet owners looking for a little peace of mind for when their beloved animals need help and then will look for any reason to not pay. Do not waste your money.
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4

out of 5

POSTED: | BY: Robert Williams

These are the first claims we have had…

These are the first claims we have had for our 3 cats. Miranda helped me thru some of the IT questions and how and what was covered.
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1

out of 5

POSTED: | BY: Christine Tantioco Lange

This is my first experience with…embrace

This is my first experience with embrace, the customer service is very kind andhelpful but I think the system is a bit backwards because I have to get my pets examined which is understandable before they cover it but the reason why we have insurance is because vet bills can be expensive, the money I can take my pets to the vet I have to pay monthly out of pocket, which kind of unfortunate because us parents that have multiple pets that could be expensive, yet were not getting reimbursed for that. I am waiting for a response from either the vet or embrace about my dog Brownie, for reimbursement which is almost $300.00 -ish. I would still stay with embrace but just expressing my opinion on this. The vets office is not very prompt either, I feel they aren't compassionate I feel like they should be as veterinarians, I feel overwhelmed because my dogs are older,, seems like the rules are against of something I can't help and I need them most financially. *sighs* I just want to take care of my babies.
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5

out of 5

POSTED: | BY: Glenn Macklem

Very pleased with Embrace pet insurance

I took out Embrace pet insurance when we brought our baby dog home. I have since filed several claims and have always been very satisfied with their prompt response. My latest claim is related to my dog having a bout of GI distress for about a week that required her being seen by her vet. Filing my claim was very easy.
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5

out of 5

POSTED: | BY: Noelle

Great customer service and great…

Great customer service and great policies
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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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