Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Lacy McCarty

Embrace has been wonderful during a…

Embrace has been wonderful during a very difficult time with my dog's extended illness. I'm so thankful for the quality of service they have provided.
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1

out of 5

POSTED: | BY: Chris McConnaughay

Excessive Premium Increase

Within a two year period, Embrace has raised my premium by over 200%. The only detail they've provided is that it's because of their underwriter and they don't have any control over premium increases.
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5

out of 5

POSTED: | BY: Timothy DeBoda

Respond to claims very quickly.

Respond to claims very quickly. Extremely helpful and friendly on phone.
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5

out of 5

POSTED: | BY: Amanda

I'm so pleased with Embrace

I'm so pleased with Embrace. I switched from another company I was with for 2 years since the premiums kept going up significantly even though I never filed a claim. I chose Embrace because it has the most reasonable rates for insuring an older dog and includes a wellness option. I actually just made my first claim for my dog's annual exam with vaccinations and bloodwork, uploaded the invoice, and got notified within 48 hours that my claim was approved and the funds were being transferred. Wow! I can't attest to their response for accidents/injuries, but as far as reimbursement for wellness expenses, I'm very impressed.
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5

out of 5

POSTED: | BY: Nicole Garces

We have been customers of Embrace for…

We have been customers of Embrace for over 5 years and they’ve made our lives so much easier when caring for our pets. I really like their customer service and how easy the app is to use. Our vet is a fan, too!
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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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