Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Rick

After enlisting with Embrace for our…

After enlisting with Embrace for our Cocker Spaniel, we were disappointed about some the coverages they eliminated due to pre-existing conditions. After sending in rebuttal letters from our vets, they reviewed them and re-assessed their initial posture and allowed coverage that they had denied before. I appreciated that they were willing to be reasonable in re-evaluating our case.
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5

out of 5

POSTED: | BY: Loretta L.

Great company for pet insurance!

It was easy to submit my claim online and they handled my claim in a speedy manner.
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5

out of 5

POSTED: | BY: Donna Rasco

EMBRACE is a Wonderful and Caring company!

I've had my Embrace policy for several years and never had to use it-until now. My fur baby, Puggsley, became ill out of the blue and I tried everything to save him, but sadly I lost him. I called Embrace the day after and wanted to ask what my options were and they were FANTASTIC!!! I was covered to the max amount on my policy and the claims process was very easy. The young man I spoke to was very helpful and caring. I really appreciated this during such a painful time. I will definantely use them again, if I do adopt another pet. Thank you to the EMBRACE team for everything!!!
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5

out of 5

POSTED: | BY: Angela R

Great claims experience

I wish I could upload a file (pdf) in the app. Other than that it was convenient, quick, and easy.
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5

out of 5

POSTED: | BY: Brandon Lancaster

I love this company

I love this company. Embrace was so helpful when my dog injured himself and required several expensive vet visits. Claims and reimbursements were approved and issued so quickly. I am very impressed with how well the claims agents stay on top of their case load.
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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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