Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,417

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.
2

out of 5

POSTED: | BY: Withheld

Not thorough

Pros:- covers illnesses some pet insurance plans don't - annual deductible - customizable plans - covers wellness - everything is done online Cons: - more expensive than other pet insurance plans - upgrading plans will make previous conditions pre-existing - considers dermal cysts and histiocytomas pre-existing - missed the attachment of Orthopedic Exam - phones broke down - took 7 calendar days to finally talk to and clarify an e-mail with a particular Claims Embracer who was always not at their desk. Claims they had phone issues. - took 29 calendar days (no holidays) to process my claim and they missed the attachment - took 34 calendar days (no holidays) to receive my refund
5

out of 5

POSTED: | BY: Michelle

What a relief!

I hate to say it, but I was surprised when Embrace paid the cost of an eye surgery as the insurance company originally advertised! Not only did they pay the claim amount (minus deductible), but customer service was extremely friendly and contacted me to make sure I had received the payment. Thank you, Embrace, for doing what I paid the insurance premiums for!!
1

out of 5

POSTED: | BY: Norman patry

Poor Service

they seemed really disorganized, kept promissing to folow up and never did. paper work ended up in the wrong department and I had to resend to get it to the right department. I gave up trying to get the full claim covered
5

out of 5

POSTED: | BY: Davee

Awesome Insurance

We have been Embrace customers now for over two years. They are the best insurance agency we have ever had the pleasure of using! They are ultra accommodating, great customer service, and their follow up is about the best I have ever experienced. They are compassionate, caring and I highly recommend them to everyone. I have discussed with my Vets that the Animal Hospital should be recommending Embrace to all of their patients.
5

out of 5

POSTED: | BY: Kathy

No surprises

Embrace staff are prompt and efficient and courteous. I know what to expect with the coverage. I am pleased with Embrace.
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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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