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.
1

out of 5

POSTED: | BY: Barbara Levin

Embrace does not pay the claims they owe

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.
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5

out of 5

POSTED: | BY: Amanda Thomas

We love Embrace

We love Embrace. They send us the nicest notes. They're quick with refunds and just a great company overall. Thank you for setting the standard for what pet insurance and customer service should be. We appreciate you!
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5

out of 5

POSTED: | BY: Summer Boger

Great Service with Kyle

Kyle was amazing and walked me step by step though picking the best option. He is likely over qualified for his job. I'm happy he helped me. I feel relieved to know we have what we need for any unexpected bills!
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5

out of 5

POSTED: | BY: US

We have had Embrace for over 4 years…

We have had Embrace for over 4 years and have been very satisfied with them. The fact that we have coverage for our 13 year old dog is very comforting. They have paid for 2 different cancer surgeries and countless meds. Their website is very easy to navigate for claims, and all their staff is very friendly and helpful if you need to call. Highly recommend.
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5

out of 5

POSTED: | BY: Sheila McKellar

Easy-Peasy!

Very intuitive system with easy to understand prompts!
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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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