Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Aimee

Embrace has been excellent for my five…

Embrace has been excellent for my five year old dog. They make it super easy to submit claims and the payments are quick and easy. Definitely a life saver!
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5

out of 5

POSTED: | BY: Paul Holmes

Claims seem easy

Seemed pretty easy once you get used to it.
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5

out of 5

POSTED: | BY: Jonathan Dunn

It's easy to file a claim and in our…

It's easy to file a claim and in our experience, claims are processed quickly.
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3

out of 5

POSTED: | BY: Liz

Updated Review

UPDATE: The insurance got back to me and is making things as seamless as they can during this loss I appreciate their cooperation I do think they need to work on phone responses but over all I value their empathy and compassion during these situations. Thank you embrace. OLD : zI never get any responses I have called multiple times in the past few weeks about some of my dogs claims and have received no emails or contact. This past weekend I had to finally say goodbye to my baby as he was simply old and ready to not be in pain anymore but this insurance company has not made it any easier, I wish they would answer the phone even when I call right at opening time.
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5

out of 5

POSTED: | BY: Iris Santiago

I am very satisfied with Embrace customer service....

I am very satisfied with Embrace customer service over the phone or user friendly online service. Thank you.
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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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