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: Diana Lynn

Submitting a claim takes about three…

Submitting a claim takes about three minutes, and we have never been denied. Rates are reasonable, and representatives are well-trained, informed and polite - what's not to love.
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5

out of 5

POSTED: | BY: Gail Luchini Dristle

Best Customer Service

Embrace has always had excellent customer service and this time was no exception. I needed clarification on my policy after my dog passed and the representative was not only thorough, but compassionate. I would recommend this company to everyone with a pet.
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5

out of 5

POSTED: | BY: Carlos

I have been with Embrace for 3 years…

I have been with Embrace for 3 years this May. They are great. I have not had a issue. Only thing that is rough is the every year payment will increase. It's understandable due to my dog is getting older. I feel that is normal. When I call the representative is very friendly and well knowledgeable. Thank you for the help and support.
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1

out of 5

POSTED: | BY: Liberty Luz

My previous claim was denied for reason…

My previous claim was denied for reason I didn’t understand. Now, I can’t give positive feedback yet because I’m not sure if they will approve it. I’m considering stopping or switching to another company if nothing will be covered on this one . I had been paying premiums for more than a year now which I could use to cover the expenses.
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5

out of 5

POSTED: | BY: Stacey B.

Chocolate/Caffeine Poisoning Incident Covered

Our small dog got into and ate a significant amount of dark chocolate and dark chocolate covered expresso beans over the holidays. We had to take him to the ER to induce vomiting and they kept him overnight to monitor his heart and administer fluids. This was the first time we had to submit a claim, and it was straight forward and paid quickly.
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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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