Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Liz

I haven’t been able to reach anyone at…

I haven’t been able to reach anyone at Embrace. I have a question about coverage. Their website bot is useless and no one picked up the phone over 15 minutes so I gave up.
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5

out of 5

POSTED: | BY: Angela Bennett

Super easy online claim filing and…

Super easy online claim filing and super fast reimbursement.
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5

out of 5

POSTED: | BY: Ken

Recommend Embrace Pet Insurance

Had Embrace since I got Finn my dog until his sudden demise. I always found Embrace custormer service top notch and the company trustworthy. They are a little pricey, but I found the customer service and claims process to outweigh the cost.
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5

out of 5

POSTED: | BY: Michael Van Alstine

Excellent service

Easy transactions
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2

out of 5

POSTED: | BY: Edward Clinite

Loss of value

Embrace has lost its value. We are researching other pet insurers and find a lack of options offered by Embrace. While not the most expensive insurance the coverage for the price is found lacking. Negotiating the Web/App is difficult and lacks transparency. We were unable to find our payment information and future cost easily. We have been with Embrace over 5 years. We have never made a claim. We hope to never need to. However, our good stewardship goes unrecognized and premium continue to rise.
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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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