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: Carrie

Easy and comforting. So glad we didn't wait.

We're so grateful we chose pet insurance with Embrace from the very start. It is so totally worth it. Embrace makes it easy to make claims. Our vet is familiar with them and they help make it easy. Having a new puppy is so wonderful but not without a little more work and worry. Really glad that unexpected vet bill was not a big worry thanks to getting insurance from the get-go.
5

out of 5

POSTED: | BY: Rebecca

Having insurance for our boy eases my mind and heart.

It is a great relief to know that I can give our Yorkie good health care. Veterinarian care is not cheap. I researched several pet insurance plans before choosing Embrace Insurance. I felt this met our pet insurance needs the best. My Veterinarian Hospital works well dealing with the paperwork and faxing it to Embrace. I would definitely recommend this insurance program.
2

out of 5

POSTED: | BY: Julia

Wasted my time

The service by embrace pet insurance was horrible. I had a claim for an emergency where I took my dog to the vet in July. The claim was not closed until the end of September and they stated it “wasn’t an emergency” I had to call over 22 times to get updates and ask what was going on and the customer service people were always nice but gave me the runaround Always saying “oh some other department is responsible for this” But never connecting me to these other departments like I requested. I don’t have it in me to even argue this claim anymore awls I know is I will be canceling in brace and do not recommend it for ANYONE. I’m sure there’s much better insurances out there for our pets
5

out of 5

POSTED: | BY: Kate

Fantastic

Customer service has always been helpful when I call. The claims are done quickly and I get emails on an update on where the claim is. I'm just very happy to have Embrace insurance for my dogs.
5

out of 5

POSTED: | BY: Richard

Very pleased with the service and quick response.

Service and response excellent.
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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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