Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,857

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: Tabatha

Please do NOT waste your money!

I signed up for Embrace to avoid paying thousands in the event of something happening to my dog. After over a year my dog started to get sick and her diagnosis was Cancer/Cushing's Disease. Embrace covered NOTHING for the numerous procedures we had to have done stating she had elevated liver levels prior to her diagnosis. My vet wrote an appeal letter and stated how those levels were barely over the limit and should not be held against us as they were not a cause for concern. They denied the claims again. I would not recommend Embrace to ANYONE. I paid almost $100 a month (I got more than the basic plan) for them to cover nothing and for me to cover all my dogs medical bills. The money I spend on their monthly services could have gone to her actual care instead. I would love to report them for their TERRIBLE services and customer care.
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5

out of 5

POSTED: | BY: Linda K Walkup

Super easy to deal with and claims…

Super easy to deal with and claims approved fast. I have had nothing but really nice people to talk to. Love this company
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5

out of 5

POSTED: | BY: Margaret Foster

Great customer service

Great customer service. Easy claim upload on the App. When I called, I reached someone quickly and they were pleasant. I’m so glad we have Embrace! 🐶
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5

out of 5

POSTED: | BY: Peggy Oliver

Embrace is simply amazing!!

Embrace is simply amazing!!! So easy to summit your claims and always get reimbursed so fast!!
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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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