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: 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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1

out of 5

POSTED: | BY: Emily Joseph

Sneaky horrible company

Sneaky company. Doesn’t care about you. Money hungry and won’t take care of what need to be paid for and finds a gray area so they don’t have to pay you anything. Customer service is awful and rude
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5

out of 5

POSTED: | BY: Iggy’s Parents

Parents of 2 senior cats.

We have two 15 year old cats covered by Embrace. One of our girls has lymphoma. After the first submission that took about 2 months to process each additional one has been a breeze. The team at Embrace is prompt in their response and extremely kind. If you've got a pet, get insurance and if you get insurance get Embrace. Thankfully, our other girl has no health issues. We're one happy family.
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5

out of 5

POSTED: | BY: MICHAEL

Very easy to file a claim

Very easy to file a claim. Claims are paid promptly with an explanation as to the amount paid and why Would highly recommend them to insure your pet
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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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