Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Nagisa

I’m so grateful!

My 9months Kitten ate threads and stated vomiting. We couldn’t have saved him if we didn’t have an insurance. We called Embrace many times and every person we spoke on the phone was helpful and kind. Thank you so much!!!
5

out of 5

POSTED: | BY: les

they worked great for me have had multiple claims, already told my family and friends about them

great
5

out of 5

POSTED: | BY: George

The most reliable pet insurance

I was treated as if I was the only one. I have had one pet two different times, maybe 16 years total. no matter what, big or small I was treated the same. I will use them again. You can not go wrong.
5

out of 5

POSTED: | BY: Emily

Easy, comprehensive coverage for dog

I have had such a great experience using Embrace to insure my now 11 year old lab. It is easy to understand, navigate, and submit claims. They cover everything they should/say they will and when we had an accident, my dog was totally covered and I was reimbursed for expenses as I should have been beyond my deductible. The team is efficient and quick to respond to questions or concerns. They also respond SUPER quickly when I have submitted claims. We got a new pup last year and I immediately added him to our policy. I would highly recommend Embrace for pet insurance!
1

out of 5

POSTED: | BY: BC

Don't believe the 30 day money back guarantee

Without belaboring the details, I bought the insurance and submitted a claim about two weeks later. The claim wasn't process for THREE MONTHS; therefore, I missed the 30 day cancellation window. Then the company determines, based on my pet's records, that she showed symptoms of a disease that was later diagnosed. This, FWIW, a GEICO company. I've filed a complaint with my state insurance regulator.
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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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