Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Christine Gardner

Embrace was quick, fair and easy to use

The ease of filing a claim and Embrace quick response were amazing! That I recieved the claim pay out so quickly was just inspiring. Other company's should learn from you!
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5

out of 5

POSTED: | BY: JAN FOSSO

Embrace pet Insurance Rocks!!!

Embrace Pet Insurance has great customer service and support. Easy Website to check on current claim status.
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1

out of 5

POSTED: | BY: NS

I would not recommend this company

I would not recommend this company. I have other pets on Fetch- comparatively, Embrace is more difficult to file a claim, their customer service isnt as friendly, and it is MUCH more expensive. keep in mind their prices will increase as well. 0 stars if I could. Go with Fetch!
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1

out of 5

POSTED: | BY: Austin Uhing

Paid $50 a month premium for 6 months

Paid $50 a month premium for 6 months. Filed three claims for my dog. One of the three claims was for him getting neutered. All claims denied as pre-existing conditions. USAA stop doing business with these people...
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3

out of 5

POSTED: | BY: May Jacobs

Filing a claim

The people I talked to were nice … however, it took three times for them to download the information they needed to make a decision. They were not downloading the PDF attached to the email sent to them. They only looked at the email. It was frustrating. Once they did download the PDF, everything g went well after it.
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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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