Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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.
4

out of 5

POSTED: | BY: Lester E

Customer Service

Customer service representatives are respectful of your time and professional. Didn't feel judged when I decided to cancel my coverage.
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5

out of 5

POSTED: | BY: Roy Fischbeck

I love having Embrace for my dogs

I love having Embrace for my dogs. They don't make anything difficult, the app is easy to use, and they always have my back. Thank you Embrace!
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5

out of 5

POSTED: | BY: Rhonda David

Embrace Pet Insurance is the BEST!

Without Embrace Pet insurance, I would not have been able to afford my dog's necessary medical treatments. I don't even want to think about what would have happened to him if we didn't have Embrace. Their claims service has been wonderful. I'm so glad that I purchased a policy for all 3 of my dogs.
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5

out of 5

POSTED: | BY: Joy

Peace of mind

We’ve had nothing but wonderful experiences with Embrace. Our 3 year old otherwise healthy cat recently came down with a mystery illness. The costs of trying to diagnose her and treat her quickly rose, and included a very expensive hospital stay. Embrace gave us so much peace of mind throughout this terrible ordeal as they continued to promptly, without question, approve our claims. Our cat is now doing much better. We certainly hope to never have to use our pet insurance again, but it’s so nice to know that if we have to, our finances won’t be a stressor in an otherwise very stressful situation.
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1

out of 5

POSTED: | BY: Customer

Employee Eli was very unprofessional

Employee Eli was very unprofessional. Once I indicated I was not interested in going forward with purchasing insurance for my pet because of a pre-existing condition, he hung up the phone on me. I have more pets I was considering for coverage because they have NO preexisting conditions. I wouldn't go with Embrace because of their unprofessional attitude. This is just selling insurace can you imagine once we submit claims?
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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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