Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: James Harrington

Had problems getting claim documents

Had problems getting claim documents. Embrace worked with me to get my documents together to get the claim done. Easy to work with claims reps that I dealt with. I guess my claim is done now. But haven't received anything from Embrace.
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3

out of 5

POSTED: | BY: Patricia Cremens

This is my 3rd or 4th claim submitted

This is my 3rd or 4th claim submitted. The first one from nearly a month ago has not been settled yet! And trying to contact Embrace takes an hr or more on the phone!
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5

out of 5

POSTED: | BY: Elaine Loudermilk

Great customer service & coverage

Great customer service over the phone and quick review of medical records. Really great coverage
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5

out of 5

POSTED: | BY: Wendy O.

EMBRACE saved the day! (Year after year)

Embrace has been there for us every time. When my little Nanoune had an accident, they paid almost the entire hospital bill of $2000! We had only had the insurance for 2 months! Everytime I have had to speak to someone, they are human and humane! Lovely always ready to help. And, rarest of all in this world, they are of their word and they take care of you like they are your Family. I would never consider any other pet insurance because I never had one that was this dependable when we truly needed them. Thank YOU to the wonderful people at Embrace. We couldn't have gotten through this without you.
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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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