Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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.
2

out of 5

POSTED: | BY: Todd

The insurance policy is unclear about what is covered and the verbage used in emails is misleading.

I took my dog in for his annual checkup, which I thought was covered. The exam was before the annual renewal of his policy. Ensure sent an email confirming that the visit was covered. I did not receive reimbursement for the claim, and inquired as to why. They said it is "covered, but you have maxed out the well check reimbursement for the year of your pet's policy." I realize as a former insurance defense attorney that there is a difference between "insured" and "covered". Their marketing is misleading and their language is imprecise.
5

out of 5

POSTED: | BY: Robert

Great Customer Service

The agent I worked with was very helpful and took me through the steps to submit a claim. I received compensation within a reasonable time. Very pleased with the service.
5

out of 5

POSTED: | BY: Gisele

Embrace has been wonderful

Embrace has been wonderful. Not having pet insurance is not a good idea. Im so glad I have Embrace. It has helped me out with all three of my dogs but mostly Sadie. I am pleased with Embrace.
5

out of 5

POSTED: | BY: Kara

Very easy claims process!

Embrace is a very easy and affordable option for pet insurance. Our vet takes care of submitting all claims, and Embrace keeps me informed of their status throughout the entire process. I highly recommend them!
5

out of 5

POSTED: | BY: GREGORY

The people at,"Embrace " are smooth operators"

Duke was taken to RF Animal Hospital for a scheduled surgery. I had brought with me the claim form. The receptionist told me that the Doctor would fill it out and that she would fax it to Embrace, in less than a week (more like 4 days) l received a response. I was expecting a couple of weeks. I was impressed!
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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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