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.
5

out of 5

POSTED: | BY: Meryl Sheard

great Costumer Service and response

My dog has been very sick and Embrace has been wonderful. They review and reimburse fast and it is easy to submit the claims. I I have any questions you can call and talk to someone. I have sued them for many years
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5

out of 5

POSTED: | BY: carole orlando

well informed staff

we haven't had a claim, but on a rare occasion when i call for a policy explanation, they have always been very helpful
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5

out of 5

POSTED: | BY: James VanDyke

Good experience -

The entire process of filing a claim through the payment of the claim was very simple. I certainly wish all insurance entities were as good as Embrace. Keep up the good work.
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5

out of 5

POSTED: | BY: Madelon Oko

Best insurance for my fur paper

They take care of you immediately and easy to process a claim
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1

out of 5

POSTED: | BY: Harsimran Singh Grewal

23% increase after 1 year

23% increase after 1 year, without any history of taking the pet to the vet doesn’t sound reasonable! Inflation causing vet fee increase and pet age being cited as a reason! The increase beats the inflation impact on insurance in any other space, especially humans! Got blurbed when contested and the same blurb is used in one of the responses below when another customer called the same issue! I’m sure I’m going to get the same blurb below this feedback 😊 I wish I had read the comments before taking embrace!
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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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