Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Miriam Echevarria

My claims were quickly handled and…

My claims were quickly handled and paid. Communication with representatives was clear and cordial. Good experience so far!
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5

out of 5

POSTED: | BY: Gabby Barber

We have been with Embrace for at least…

We have been with Embrace for at least 5 years. We had a different company but switched when they changed their policy and the change drove the costs very high. So I looked around. I made the change to embrace and am very pleased. Their phone support is great!
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5

out of 5

POSTED: | BY: Barbara Soderholm

I have had Embrace Insurance for my dog…

I have had Embrace Insurance for my dog for 11 years. Very easy to file a claim. Very prompt with payment. I would use again for another dog.
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5

out of 5

POSTED: | BY: Elle

Wonderful customer service.

Wonderful customer service.
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1

out of 5

POSTED: | BY: JPS

Predatory sales tactics

During an appeal, the claims team managed to find new exclusions. Best described as "customer no service." If you have to call be prepared to wait, unless you're calling the sales line - you'll get someone on the first ring. Ji Garcia, Claims Adjuster Jenna Mahan, Chief Underwriter on behalf of American Modern Home Insurance Company
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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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