Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Kevin

Amazing Company!

This insurance company is absolutely amazing to work with. They have several easy ways to submit claims and check status. Their phone app is very easy to use. When customer support reaches out to you they are very friendly and makes you feel like they genuine concern in stressful times. Feels like part of the family. Would strongly recommend! Thank you so very much Embrace.
5

out of 5

POSTED: | BY: Summer Borgard

Very easy and fast!

Making a claim with this company through the app is so easy!! You can then checkup on the status at anytime of the day with 1 click! Very communicative, and fast! Love this company for my dog!
1

out of 5

POSTED: | BY: Jackie

My horrible experience with Embrace

It is very hard to get a reimbursement of services. I had 2 of my frenchies insured and needing surgeries. One of the reasons they denied a claim was that my dog was not seen in a vet for over a year so therefore it is classified as a pre existing condition. We just relocated to another state and had no immediate need to bring my dog to the vet. They are house dogs, they don't leave my property. I went on BBB to see this is a big issue with Embrace. They take a long time to contact you when submitting a claim as well. Every claim submitted gives the default response of "we need to contact prior vets for complete medical history" even though this is done in the preliminary coverage process. You are better off putting that money aside every month and getting a CareCredit card instead of paying for their insurance. This is what I am forced to do... 5K in debt later. Thx Embrace!
5

out of 5

POSTED: | BY: Irene Colletti

Best Pet Insurance EVER

No matter what the situation brings when it comes to my two italian greyhounds, I know Embrace is there to get us through it. All I have to worry about is the health of my dogs without the financial burden associated with treatment and vet bills. In all the italian greyhound facebook groups I belong to (I think 11), I always recommend people buying new puppies make a smart choice and get Embrace Pet Insurance.
5

out of 5

POSTED: | BY: Lydia

Caring Staff

They have always been helpful, considerate and explain everything to where we can understand, gives advise for us to be able to make mindful decisions in the care of our pets. Puts us and our pets first & always follow up with an email. Even though they are expensive they are worth your pet having people that don't just treat you as a number but treat you and your pets with the out most importance.
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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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