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.
1

out of 5

POSTED: | BY: Rudy

Two thumbs down 👎🏼 👎🏼

Seemed good the first month but the customer service stinks, was on hold for an hour. The claims wait periods take forever. Always need documents. They seem more into not covering then covering. They tell you dental is covered then tell you cleaning goes into wellness after your dental appointment. Rigged. I’m canceling and moving on.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Michael Black

Really hard to work with Embrace.

Really hard to work with Embrace. Even though they have my dog’s records they are always asking for more info before they will pay out a claim. I wish I had gone with another company.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Donna Karasek

We love Embrace

We love Embrace .. helpful, thorough, fair
1

out of 5

POSTED: | BY: porter kerckhoff

Horrible company

Horrible company. Doesn't cover anything and very unclear as to what they need when in the claims process. I waited three months while my medical history was pending while trying to file a claim. They suck and do not even bother calling your vet for the information they need and meanwhile I paid for the insurance for eight months. Do not use this company. They are the worst and vague with what they will cover at best. They say they can't cover you but do it with a smile!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Angel A

Excellent customer service

Excellent customer service. Easy to file claim online. Check was received within a few weeks of surgery! Definitely recommend!!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review