Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Momoko Kaneda

Jessica has been the Best!

My experience with Embrace has been great so far thanks to my Claim Adjuster, Jessica C. Jessica has been super thorough and prompt with communication, and patient with all my questions and requests for onboarding my dog Ace onto his plan.
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2

out of 5

POSTED: | BY: customer

Do not pick this company for your pet

My dog has been with this company since he was 6 years old. And the price started off really good. Maybe around 32 a month. He is now 16 and a half and they want me to pay $350 a month and he doesn't even go to the vet that often and it never equals out. I would never recommend this company. Really do your research but I know no other company will take my dog now so I have to stay with them and I have to keep my dog covered. Obviously the owners of embrace are not dog lovers. They don't see dog that their family. They only see a dog as a dog. You can tell by the services that they provide. They always want to talk a bunch of rubbish to Make it seem like they're doing everything the same as everybody else! I would never pick this company or recommend it to anyone! Talk to a veterinarian. Find out which ones they think are the best.
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5

out of 5

POSTED: | BY: Brooke Thompson

I was hesitant to get Insurance

I was hesitant to get Insurance, I had always opted for the savings account route but the rescue coordinator who managed my dogs adoptions highly recommended Embrace. The rates were low and the dogs were new to me, so I decided to give it a try for a year. I have been with Embrace for 2.5 years and they have been nothing but amazing. One of my dogs had an ER visit within months of getting insurance, the person handling my first claim was so kind and caring. Recently my other dog had a tumor and subsequent surgery and chemo. The peace of mind that having insurance provided is priceless. My claims were processed very quickly and the entire process was straightforward and easy. I would highly recommend Embrace. I really like that the coverage is annual, not per incident. My premiums have increased, but again the peace of mind is definitely worth every penny.
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1

out of 5

POSTED: | BY: Angry Customer

Everything is a pre-existing condition…

Everything is a pre-existing condition on an otherwise healthy 1 year old animal. Do yourself a favor and skip the headache.
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5

out of 5

POSTED: | BY: Roxann Votaw

Embrace the Best!

Embrace makes submitting claims a breeze
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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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