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: Libby McDevitt

Wonderful to work with

We have had Embrace Pet Insurance since our Great Dane was born, he’s now 8 and working with them on his claims has been quick & easy. Their customer service is amazing and we have referred them to many of our family & friends.
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5

out of 5

POSTED: | BY: Steve Kompf

Busters claim

Quick and positive response on my claim. No hassle. 👍🏻
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2

out of 5

POSTED: | BY: Faith

Unless you are experienced in insurance…

Unless you are experienced in insurance claims management, be prepared for delays and possibly denials. Know your rights. I’ve had two claims paid but only after a fight and on the last one I called the insurance commissioner. Read the coverages before you buy and know what preexisting means.The representatives are nice on the phone, but everything is handled by email.
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5

out of 5

POSTED: | BY: Lyndsay

If you don't have pet insurance, get it!!

I had an emergency surgery for my 5 month old kitten and without embrace, I am not sure how I would have been able to do it all. Their customer support was so quick in getting the surgery pre-approved so I could give the vets the go. They were so quick, diligent, and reliable throughout the whole process. I am very grateful to have had embrace by my side.
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5

out of 5

POSTED: | BY: Lee Davies

Embrace Pet Insurance is Pet friendly.

Embrace Pet Insurance has been very responsive, has good communication, and an easy claim filing app. Their customer service people have all been friendly, professional, and knowledgeable. Highly recommend Embrace.
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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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