Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: Johanna

Embrace pet insurance has been the best

Embrace pet insurance has been great with my beloved Sasha and me! My baby recently passed away and as you can imagine the pain is devastating; however, embrace pet insurance members have been amazing. They didn't only light a virtual candle for my baby but they also sent me a handwritten card with their condolences. Thank you so much for all the support and your beautiful thoughts. Johanna
5

out of 5

POSTED: | BY: Lori

I would recommend Embrace Pet Insurance to everyone.

We have had Embrace Insurance since our dog was a puppy and after 7 years I have not had any bad experiences. Claims are easy to submit and are processed in a timely manner. I have contacted customer service with questions and have always received professional and courteous assistance. In fact, today I asked for a pre-certification and received the answer within 30 minutes. So glad we decided to go with Embrace.
5

out of 5

POSTED: | BY: Gillian

Extortionate renewal offers

Been with my insurance company for 3 years, E&L insurance but was taken over. Last year they tried to bump up the insurance by 240% which i refused and i was given a much better offer. For renewal Jan 2020 and it was up 360%. Needless to say i am no longer a customer. Absolutely dreadful business practice and i don't know about you but i much prefer to be shafted in person!!
5

out of 5

POSTED: | BY: Colleen

Happy

Very fast paying claim, hassle free.
5

out of 5

POSTED: | BY: Rikky

Awesome!

This is the absolute BEST pet insurance company I’ve worked with. Great customer service! Very helpful, kind, and understanding representatives. I wish more companies would be like Embrace! 🙂
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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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