Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: Lisa Sayler

Excellent Coverage!!

Dobie is a 6 year old terrier mix who managed to rupture a disk in his back. Injury happened on/about Jan. 22. I had full coverage reimbursement, final check on March 2!! Dobie needed back/spinal surgery and you just can't go to the doc down the street for that. We ended up at the Vet Neuro Center......and of course the best and most expensive place in town. Dobie has a puppy mill rescue sister and breaking in a new buddy was just not in our plan so we got Dobie fixed, and they did an excellent job. The "Embracers" checked on us via email regularly (which is right up my busy alley) and did an outstanding job in caring for us and paying our claim. Dobie is out of claim money for the year, but promises to behave until at least next year.
1

out of 5

POSTED: | BY: Jeff

Don't Be Fooled

Embrace does a really great job of following up with you to make sure you get everything in they need to get you started filing claims. Sounds great right?!?! Too bad they will not cover anything that could REMOTELY relate to any treatment given to your pet prior to your policy with them. So, if your pet has taken an allergy pill before they will not cover any subsequent allergy problems. Don't fall for it like I did!
5

out of 5

POSTED: | BY: Aime Jakubowicz,

Customer relations are top-notch!!

I switched from VPI to Embrace after VPI refused to insure my year old Aussie because of IBD. Though his condition is excluded, Embrace had no problem insuring both my dogs, and it's a good thing! About a month after joining, the same dog was diagnosed with heartworm, which he contracted prior to me getting him. Embrace has been wonderful in responding to my inquiries and in sending the reimbursements with best wishes for a his speedy recovery. All of my emails are answered quickly and the agents are a pleasure to talk to. Definately the best choice in my opinion.
5

out of 5

POSTED: | BY: L. MCCARTHY

EXCELLENT

I RESEARCHED MANY PET INSURANCE COMPANIES AND PLANS. PET EMBRACE IS BY FAR SUPERIOR TO ALL OTHERS. I AM ALWAYS MET WITH A CARING,KNOWLEDGABLE,CAPABLE EMPLOYEE WHEN I HAVE PHONED. I REFERRED MANY TO EMBRACE. THIS IS MY SECOND YEAR OF INSURANCE FOR MY BELOVED TRIXIE. THANK YOU ALL AT PET EMBRACE. CLAIMS ARE HANDLED TIMELY AS ARE PAYOUTS. I HAVE NEVER EXPERIENCED A DISCREPENCY ON EITHER END. EMAILS AND CORRESPONDENCE ARE PROMPT.
2

out of 5

POSTED: | BY: Kevin Kelly

Not for middle aged pets

Same as many others. I have an 8 year old boder collie that was denied coverage because of age.
Please leave a review

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.
Provider website

Get a quote today

Leave a review