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: Frances Cosentino White

Unbelievable customer service, compassion and wonderful costs and incentives. I am definitely canceling my former pet insurance.

Great customer service, options for coverage and incentives. Very pet parent friendly!
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5

out of 5

POSTED: | BY: Syd Balows

Embrace Pet Insurance was professional, kind, efficient and very understanding

Embrace Pet Insurance was over the top with professional knowledge, help, compassion and understanding during this difficult time for Bella and myself.
1

out of 5

POSTED: | BY: Andy Sozio

Embrace denies virtually all my claims…

Embrace denies virtually all my claims as preexisting conditions. I took my dog in for several exams when she was a puppy because she had vomitted and coughed a bit. This was right before I got this policy. Now any time I take her back for anything remotely related to that, the entire claim is denied. Additionally she was limping for a few weeks a while back which I also had her examined for. She was fine after a few weeks and has had no leg issues since, but an embrace agent informed me any future issues with her legs (even a broken leg from an accident) could be denied because of this. I would not recommend embrace to anyone and I can't say if this is common for pet insurance companies, but I have had a very bad experience with embrace.
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5

out of 5

POSTED: | BY: Ed Zuckerman

Perfect service

Perfect service. Been with them for more than 15 years
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5

out of 5

POSTED: | BY: Edward Rutkowski

Great service and great processing…

Great service and great processing experience
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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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