Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Fernanda Oliveira

I am user of Embrace since 2017

I am user of Embrace since 2017. My dog passed away and my entire experience with Embrace was the best as possible. Thank you!
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5

out of 5

POSTED: | BY: Arnold Sauther

It was easy to file online claim.

It was easy to file online claim.
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5

out of 5

POSTED: | BY: Anthony Wray

I'm glad I chose them!

Embrace has been with me for nearly a decade. When my fur babies have routine checkups or emergencies, Embrace assists their needs. Their prices and plans are well-balanced, and the staff is always caring and professional. I'm glad I chose them!
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4

out of 5

POSTED: | BY: Diabro

Reimbursement payments taking long.

Over all my experiences have been very good. I have had my dogs insured with Embrace since almost the beginning of this company, well over 15 years. Service and claims where paid immediately. Claims are taking a lot longer now to receive reimbursement. In this computer, electronic era, it should not take over two weeks to be reimbursed.
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5

out of 5

POSTED: | BY: Lynnette Cook Herz

Our request to cancel our policy was…

Our request to cancel our policy was handled by a gentleman in sales. I had requested cancellation 7/24/24 and received no response from the email. Finally, connected up with Wes. Wes was professional, knowledgeable and assured me/us our refund would be honored on the requested date. We have NOT received our money back nor had our refund placed on our account used to pay up front, the FULL YEAR amount, however.
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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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