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.
1

out of 5

POSTED: | BY: Chris

If your dog has ever been to the vet, don't get Embrace pet insurance.

Embrace is going to go through your pets medical records with a fine tooth comb and will not cover anything that they deem to be a preexisting condition. If you have a puppy who has never been to the vet for anything other than routine care, they might be a good pet insurance company. If your pets records indicate any kind of a vet visit for anything other than routine care, it will be considered to be a pre-exisiting condition and will not be covered for different lengths of time, some forever, some for a year. If your dog hurts her leg while on a hike, it will be considered an orthopedic condition and therefore, a pre-exisiting condition.
5

out of 5

POSTED: | BY: Appleonea

Awesome Company!

Easy to submit claims and they are processed quickly. Easy to use the App and great customer service!
5

out of 5

POSTED: | BY: Cathie

Excellent customer care

Excellent customer service and quick remittances on claims
5

out of 5

POSTED: | BY: Suzanne

Embrace Pet Insurance is FANTASTIC!

I can’t believe how quickly Embrace is with processing claims. If I ever have questions they have always been super nice, professional & efficient. If I miss submitting a document they reach out to the VCA directly to keep the process moving along. I definitely made the right choice with Embrace!
5

out of 5

POSTED: | BY: Carla

Embrace is amazing on EVERY level.

We decided to get pet insurance upon our purchase of a new puppy. Our older dog had passed away, after suffering a lingering illness, and the expense of her care until she passed was daunting. One never knows when or if you will need insurance, but the peace of mind alone is worth it. As fate would have it, my 18 month old dog ended up needing emergency bladder surgery and we were able to utilize our pet insurance for the first time. Our bill was over $2,400 and after our deductible, Embrace paid the entire claim....no questions asked. WHAT A RELIEF! After our pup came home we ran into a few medical issues late on a Friday night and found out that Embrace offers a "Vet on call" service! We were able to request a call back and in less than 10 minutes, we were on the phone discussing our concerns with the Embrace Veterinary doctor. I can't say enough good things for Embrace's service, claim processing, phone app and ease of use. Would most DEFINITELY recommend them to anyone looking for pet insurance!
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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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