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: Ilene Alexander

Embrace was so wonderful with our last…

Embrace was so wonderful with our last lab we decided to get it again! Hopefully, this baby doesn’t have all the problems our last one did. Claims reviewed and paid quickly, terrific customer service!
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1

out of 5

POSTED: | BY: Walter

They find a reason NOT to pay for…

They find a reason NOT to pay for everything. All the time. Every time. If you want an insurance company that takes your money on time and never pays out, this is for you.
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1

out of 5

POSTED: | BY: Customer

Unembraced

I have been disappointed with my experiences With Embrace since I enrolled one of my many rescue animals. I work in a vet office and when I saw a new plan when Embrace first started, I decided to give it a try. The reimbursements are minimal with always a convoluted reason about wellness vs. injury or incident. I have Trupanion with my other animals and am very pleased with their coverage. In the future I will not enroll other pets in Embrace. I don’t feel embraced at all.
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5

out of 5

POSTED: | BY: Happy Customer

Claim submission

We had our first experience with submitting a claim. The process was easier than I expected, we were kept informed and the status of the claim and received payment in a timely fashion.
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5

out of 5

POSTED: | BY: Sierra

Reliable, supportive service

I’ve been really happy with my experiences with Embrace over the past two years. When the time comes to adopt another dog, I will absolutely use Embrace insurance again.
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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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