Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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.
2

out of 5

POSTED: | BY: Derek Amarpreet Whitman

Unless you have an accident, Embrace doesn't cover it

They definitely go out of their way to assess a condition as "pre-existing"; for example, my dog was only recently diagnosed with a slightly enarged heart - they said because he was described as having a heart murmur in the past that the enlarged heart was the result of that. Kind of like saying, "His torn meniscus was caused by his pre-existing condtion of walking."
Read more on Trustpilot
5

out of 5

POSTED: | BY: Cynthia Hatfield

I always gave a great experience with…

I always gave a great experience with Embrace. Submitting claims are a breeze.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jennifer McCoy

Customer service was great!

My customer service experience was awesome. I got a policy for my puppy right after I got him, he’s now 10 months old and he broke his tooth. I called to clarify coverage before going through with his appointment with the dentist and customer service was knowledgeable, friendly, and fast to answer. I’ve been a vet tech for 8 years and know that pet insurance can be misunderstood. This is why it’s important to understand your coverage before you need to use it. Being able to get on the phone and quickly get an answer on my dog’s case before I approved/denied a treatment plan is so appreciated. Not always possible but when it is it’s definitely worth the time.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Brenda McKenzie

The person who helped me was polite and…

The person who helped me was polite and very professional. Thank you
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review