Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Anita Bennett

Human insurance companies should be as wonderful to deal with as Embrace!

Embrace has been nothing but wonderful to deal with! I've had insurance for my pet with Embrace for years and I'm always grateful that I made that choice. I never feel like I have to think twice about giving my dog the care he needs. Embrace is there for him and me.
5

out of 5

POSTED: | BY: Susanne Woodson

Helpful and efficient

Always kept us updated of our Claim, explained everything. Quick and efficient payment.
5

out of 5

POSTED: | BY: Christie Hill

Great service

Embrace has been great!! I’ve been with them For 3 years now and they have never wronged me .
5

out of 5

POSTED: | BY: Joel Weston

WARNING : Worst Insurance experience

I’ve been an embrace customer for years. When I’ve submitted claims that we’re not covered, the response was quick and done in a timely matter. The latest claims, which we feel were perfectly in line with our coverage, and should hav been accepted are now still being questioned, 3 months after submitting. We’ve been on the phone numerous times, on hold for hours, and only to hear simple complaints that we expect an insurance company to be able to perform themselves. They claim that our vet has not given them all the info they need, but when we talk to the vet it’s a different story. At first we thought it was the Vet’s fault, but having gone to multiple vets, we are now seeing the same excuse. I warn you not to purchase this pet insurance policy, as poor business practice should not be rewarded.
5

out of 5

POSTED: | BY: Shane Hylton

Our Journey

The team was extremely sensitive to our situation and handled it with care. The claims process was hassle-free that further dampened the effects of dealing with issues with filing our claims, of thousands of dollars. Having pet insurance at hand, even though we didn't anticipate any issues with our four-legged family member this early in his life cycle, was one of the most sensible things that we could have done. Embrace handled our claims with class and we truly believe that they are possibly the best in what they do. THANK YOU!!!

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 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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