Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Olga Garcia

Great service and excellent response…

Great service and excellent response when filing claims. Well trained and respectful customer service representatives are always willing to assist.
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5

out of 5

POSTED: | BY: Dylan Todd

Awesome service

Awesome service, a friendly phone call and they walked me through options to get the best coverage that fit my monthly budget. I have a clear idea of what is and what is not covered so that makes me confident I made the right choice.
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1

out of 5

POSTED: | BY: Irene McClellan

I have been fighting with the claims… A frustrated rescue is rescue mom in California

I have been fighting with the claims department for months to get my rescue dog's dental bill paid I don't know why they won't honor the claim I have been paying high premiums every month to keep my rescue dog healthy OK healthy and safe and happy I would think the embrace company would honor the people who choose to rescue dogs and Care of them the best way they can
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5

out of 5

POSTED: | BY: Jessie Adamson

Submitting claims is easy

Submitting claims is easy, the claims processing is timely and the explanation of benefits is simple to understand. Great experience!
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5

out of 5

POSTED: | BY: Paul Nardozzi

Embrace is amazing

Embrace is amazing. Our claims are always handled timely and easy. We have had a great experience with them.
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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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