Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Walter Durling

Prompt and Caring

Following a traumatic injury to my dog, Embrace stepped up and assisted me in filing my several claims. Each and every employee I spoke with was caring and helpful. I even received an Embrace "care" package as a thoughtful gift! All claims were promptly approved and reimbursement sent! Gotta love Embrace!
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5

out of 5

POSTED: | BY: Brenda Mottram

Best pet insurance ever

Best pet insurance ever. Never used when my lab mix was young except for wellness and claims always processed quickly. Now that he is 11 and is starting to have issues, Claims have been handled quickly. Would definitely recommend
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1

out of 5

POSTED: | BY: Kirk Barker

If I could leave zero stars I would. Find a better insurance company for your loved ones.

If I could leave zero stars I would. My dog developed cancer and her claims weren't covered because she had a previous growth removed from a separate part of her body years earlier. Due to circumstances outside of my control, the previous growth was not sent for pathology as the vet said it did not seem to be cancerous. We ended up having to pay around $1500 out of pocket even though the point of having this coverage was to help in times of need like this. If my dog did not pass away, I would not renew my insurance because Embrace also wanted to almost double the premium on her coverage when renewal was due. Find a different company that is more willing to work with you for things like this because even asking to follow up and figure out more information about why our claims were denied, no one will contact us back.
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5

out of 5

POSTED: | BY: Lyn

EMBRACE is a LIFESAVER

EMBRACE has caring and helpful representatives who have always helped walk me through several difficult times. My senior German Shepherd girl is still with me thanks to their emergency coverage which allowed me to say “Do It” for several expensive surgeries. I’m forever grateful. Don’t look elsewhere. EMBRACE is the best.
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5

out of 5

POSTED: | BY: Clarence

Great customer service!

Great customer service!
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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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