Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,158

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: Debi Callahan

Pet insurance works

This is my first claim with embrace pet insurance, I have had other expensive bills and decided to sign up for pet insurance as I do love my dog and would always get him treatment regardless of the cost. I have a labrador who likes to eat things he is not suppose to and I submitted my first claim and embrace paid just as the policy said it would. I did call a couple of times to check on my claim and the staff was very pleasant and helpful. Thank you Embrace
1

out of 5

POSTED: | BY: Jan Welshons

This insurance is awful

Although I could have submitted several other claims for my pet, I chose to carry the expense myself. Wanting only to use the insurance incase of an emergency. Well when I needed it the most it failed me. I don't know why I was surprised it is only acting like any other insurance company. Taking your money and giving you excuses in return. I will continue covering my pet with insurance at the end of the year but not with this company. No wonder my vets office had never heard of this company. I will go with their recommendation next time. I'm sure this won't be posted on your website but it should be.
5

out of 5

POSTED: | BY: Wenni

Great Customer Service!

I have done alot of research before I signed up with Embrace. All other carriers have had negative feedback/reviews and made me very cautious on even getting pet insurance. For example, are all future claims going to be a battle of what is pre-existing or not... However, I found Embrace and I thought to give it a try. I am extremely glad that I did. The customer service is beyond exceptional because there is actually a person on the other line! I recently filed a wellness claim and frankly I didn't have high expectations of the process... Embrace surprised me by making the process so easy and painless. My entire wellness visit for my pet was reimbursed! All I can say is wow! Embrace rocks! I feel secure with Embrace.
5

out of 5

POSTED: | BY: sandie horvath

It pays... to have have pet insurance

I am so thankful I found Embrace Pet Insurance. Their wellness reimbursements have paid me back my premiums every year now. I have recommended this program to all my friends as it covers so much and the folks are so friendly.Insurance has never been so good! Sandie Horvath RN and Budde' Boy North Fort Myers, Florida
5

out of 5

POSTED: | BY: Ilene M

The best once again!

I wish our health insurance were as good as our dogs! We own a dog grooming shop and recommend Embrace to all of our customers with young dogs. We are so pleased with the service. Thanks again.

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 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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