Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Charles Marshall

No Surprises

Took far less time than Embrace said it may take and they paid my claim. Great to not have to go through a wringer. Submit the vet receipt answer a couple questions and bam money back in my account.
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1

out of 5

POSTED: | BY: Leslie

I should’ve known what they do isn’t…

I should’ve known what they do isn’t help us cover our animals. Their purpose is to find all the ways in which they can deny our claims. Anything will be pre existing to them, and if it wasn’t pre-existing before you got the insurance, when the animal gets injured, they’ll only cover it ONCE and then it becomes pre-existing. Also, they raise their prices every year claiming it’s based on the area where we live. They tried to increase my monthly payment by over 40 dollars. Last thing, they do not cover in Puerto Rico even though it’s a US territory. I do not recommend.
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5

out of 5

POSTED: | BY: BARBARA LOWELL

Great first time

Great first time. Waiting for their quick and complete help
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5

out of 5

POSTED: | BY: Brittany Simen

Great coverage for a reasonable price

I’ve had coverage for about a year for my two dogs. I previously had Nationwide Pet insurance, which was wonderful and had a great wellness policy, but when they doubled the premium I switched to Embrace. I just had two claims and was quite impressed with the simple claim process, extremely quick reimbursement (claim response within a day or two), and coverage. I was worried they wouldn’t cover illnesses like Nationwide did, but in both my cases they covered what I expected! I don’t have experience with high value claims, but I’d highly recommend them based on my ~$1k in claims!
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5

out of 5

POSTED: | BY: Teresa Bruno

Good things

I have had nothing bad experience with Embrace employees.
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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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