Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Bill

Move to a more reputable company.

This was a cancellation request due to their inaction on claims. Dialog effectively validated they rarely pay claims. Most incidents can be counted as preexisting conditions and are thus excluded. I must shop elsewhere as their help is useless.
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5

out of 5

POSTED: | BY: Kathy Lane

They are there when you need them to be.

They are there when you need them to be. I have been a subscriber to this insurance plan for many years. The associates are always very polite, professional and most importantly, kind-hearted. The payments are handled in a good time and I am thankful to have them.
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5

out of 5

POSTED: | BY: Lizzie

Pleasantly Surprised

The process for submitting a claim and navigating my account is so easy. We have submitted many claims because my dog has two chronic illnesses and they have paid many of them in full. They are also very responsive when I have questions or concerns. I have been very pleasantly surprised with the service at Embrace. Highly recommend.
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1

out of 5

POSTED: | BY: Anne Gilmartin

Three tries

Three tries. Saysclaim went through. Then says it didnt. Ugh
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5

out of 5

POSTED: | BY: Rachely Rodriguez

I have had this insurance for a year…

I have had this insurance for a year now, I love how easy it is to make a claim in the app, and how fast they pay, keep it up!
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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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