Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Tiffany

Easy and reliable

Doggie had leg surgery so I’ve used the insurance twice to reimburse me for the X-rays and surgery. Claims were processed quickly and staff is very responsive. Claims process is very easy, take the claims form to the vet, they’ll stamp it, and send that form in with the vet bill. Super easy!!
5

out of 5

POSTED: | BY: Rose

Excellent service

Embrace is such a user friendly pet insurance . I highly recommend to all of my pet loving friends . The claim process is very easy. My veterinarian office processes the claim for me and I get a response right away via . Email . They have been so helpful anytime I have a question .
5

out of 5

POSTED: | BY: Ralph

Outstanding

Every time I contact Embrace the staff are wonderful and very understanding and caring. And share their experiences with me. Comforting me when my cats are sick and giving me so much love and support. I give them an 11 for sure.
5

out of 5

POSTED: | BY: Elizabeth

Exceptional

This insurance for my pet has been extremely easy and accommodating to me and my pet. They make it very simple to join and very simple to understand and get reimbursed as well I think many other companies should follow suit they know what they’re doing.
1

out of 5

POSTED: | BY: julie

Look for reasons to not pay claims

Horrible....they look for reasons not to pay claims. Don't waste your time or money on Embrace. My dog has anxiety and is scared to go to the vet.....because of that Embrace feels like she is an aggressive dog and will not cover her. The vet even wrote a letter to Embrace explaining this, It is no different than a person having anxiety about going to the doctor or dentist. Does that make them an aggressive person? What a scam to get your money!
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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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