Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,859

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: Cynthia L

Simple and Quick process

My precious boy is having some heart issues and the bill for diagnosis was quite high. Submitting a claim through Embrace was simple and the reimbursement came quickly. Thank you very much! Cynthia L
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5

out of 5

POSTED: | BY: Patti Burns

Pleased with Embrace Insurance.,

I’ve been so upset over my Paisleys ear problems scared for her and worried about the bills my Embrace Insurance has been a god send. Embrace has made claims easy and payments are done quickly. Thank you so much! Have no problem referring Embrace to my friends.
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5

out of 5

POSTED: | BY: Lisa M Bailey-Harper

Great company for pet insurance

Great company for pet insurance. Always response and always helpful!
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1

out of 5

POSTED: | BY: matticus wood

I’ve had embrace for 3 years with no pay

I’ve had embrace for years. I’ve never received a check I’ve basically been fighting them for years and nothing happens worst business I’ve ever dealt with. My dog probably won’t get to live the longer life she deserves I hold this insurance company fully responsible for that. Update: even after they responded they did nothing to help. I’ll probably have to get an attorney and sue Embrace. They have all my dogs past medical history so they know they’re lying but trying not to pay because it’s possible it could be pre- existing illness. It’s not pre existing, they have all the records to prove it but claim they haven’t and they try to cancel me every month. Do not get embrace
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4

out of 5

POSTED: | BY: craig stormoen Newbrighton mn

Time will tell

Just got some pet insurance for my 4-month-old cocker spaniel. It's hard to do a review when you've just purchased something but so far the communication has been good and only time will tell
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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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