Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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.
1

out of 5

POSTED: | BY: Brice Winkler

This company just wants your money

I have been with this company for 3 years. I have only ever filed a claim 2 times with them. Both within the last couple months for 2 different aninimals. In both cases, they found a reason to not pay out. This to me is a trend of them not wanting to pay for claims. They are fine with taking my money though. My recommendation is to go anywhere but here for pet insurance. Or better yet, just create a savings account for your pets.
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4

out of 5

POSTED: | BY: Eleanor Hornbeck

Easy to use website!

The website is easy to navigate. I found it very easy to upload claim forms.
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5

out of 5

POSTED: | BY: Jennifer Weir

I appreciate the prompt response to my…

I appreciate the prompt response to my questions and claims that I have submitted over the years with Embrace Pet Insurance. I am pleased with the relationship and feel that we receive good service and coverage the policy we have. We’ve been a customer since 2018.
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5

out of 5

POSTED: | BY: Terry Vaillancourt

Tried, tested, compassion

We have been using Embrace for over a decade. We felt the customer service, pricing and claims process have been wonderful. I always recommend this company. I am completely satisfied with them. Plus, I feel they relate to you and communicate well!
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5

out of 5

POSTED: | BY: Tina

Customer Service at its Best

Derek was very sympathetic when I told him I had to say goodbye to my little girl. He processed my request and said I would receive an email with my new policy (still had my other dog). I received it almost immediately.
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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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