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.
3

out of 5

POSTED: | BY: Bryanna

Switching insurance

I have had an awful time with my illness claims! The wellness is incredibly quick and easy but illness claims take forever. I had to call them so many times to get my claim through all because errors on their behalf. They claimed my claim was prior to the waiting period but my waiting period was long over before that. It was ridiculous.
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5

out of 5

POSTED: | BY: Amanda Colin

Embrace is such an amazing company to…

Embrace is such an amazing company to work with! They get claims handled quickly, their customer service is top tier and they have great rates! We are so happy that we went with Embrace after we adopted our dog!
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5

out of 5

POSTED: | BY: Karen

Great experience…

Filing claims is so easy and their response time is good.
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1

out of 5

POSTED: | BY: Jonathan Stone

Shady insurance company

Typical insurance company able to weasel out of their coverages with fine print. We had the accident and illness policy, our puppy had an accident and because it involved a broken bone we weren’t covered. There is a waiting period for orthopedic coverage. There’s also a secret waiver to reduce that wait time, hidden behind a few crafty/ glitchy pages of their website. Buyer beware, you may think you’re covered but you may not be…
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5

out of 5

POSTED: | BY: JR

Embrace has exceeded my expectations

Embrace has exceeded my expectations. Managing claims through the app is a breeze and payments are received in a timely manner. I wish all insurance could be this easy!
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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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