Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Jacque Santos

I’ve had Embrace for the last 11 years…

I’ve had Embrace for the last 11 years and it was the best choice. They have always paid my claims in a timely manner and without any issues. I recommend them to all of my friends.
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5

out of 5

POSTED: | BY: Elaine B

Easy Setup

I decided to get Embrace insurance for my pet. The process was easy, questions were answered from a knowledgeable, professional and courteous employee. I'm hoping I never have to use the insurance, and hoping that Embrace is as good as claimed.
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5

out of 5

POSTED: | BY: Abby's Mom

Fast and easy claim process

Fast and easy claim process. Whenever I do need to speak with someone on the phone, they are always professional and friendly.
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3

out of 5

POSTED: | BY: Anita

A lot of denied claims!

I feel like this company makes it difficult to get claims paid. They recently asked for our pet's medical records for the past 2 years, and even wanted records from our previous veterinarian that we haven’t seen for a while. Always looking for a reason to not pay the claim, after all it is an insurance company…
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5

out of 5

POSTED: | BY: Vanessa Lynn Cahill

I was really nervous to submit a claim

I was really nervous to submit a claim, because I have done them in the past and they were a nightmare. This was so smooth and simple and went by so quick. I love this.
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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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