Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Elaine Sison

Embrace, ⭐️⭐️⭐️⭐️⭐️!

The illness and passing of our fur baby was a painful and difficult time for our family. Having Embrace reduced the stress and let us focus our time with spending our last moments with him! Embrace’s team was professional but above all compassionate! With sincere gratitude to the Embrace team family!
5

out of 5

POSTED: | BY: Elaine Sison

Embrace is a fantastic company and would highly recommend it!!!

Embrace provided us great coverage and made a painful goodbye less stressful ! Great team, great company!!
5

out of 5

POSTED: | BY: Juliette Joyce

Embrace is incredible!!

Hassle free claim submission and wonder, prompt courteous staff. I am so grateful that my pup Nike was insured by Embrace. All was covered by my injury/illness policy for a TPLO surgery and state of the art rehab facility. I highly recommend Embrace
5

out of 5

POSTED: | BY: Lauren M

No Hassle!

I've submitted several claims, which is very easy to do on their website, and they have all been covered. I was afraid going into this that they would be a typical insurance company that tries to not pay for anything, but it's just the opposite. The customer service is also excellent.
2

out of 5

POSTED: | BY: Daniel Gray

Not impressed.

Over the last month I have had 1500$ in vet bills because my dog developed a stubborn cough. Of that 1500$, 700$ was my deductible. Of the remaining 800$ Embraced decided they only needed to reimburse me 120$. My plan calls for 90% reimbursement, my math is showing they’re reimbursing me for 15%. 15 is a long way from 90. Way to take care of your customer and hold up your end of the bargain, Embrace. I’d have saved money by not paying for the monthly premiums and just paying the entire 1500 out of pocket. Maybe you should start covering ALL of the care past the deductible and not nitpicking what is covered and what isn’t. As soon as I get my measly 120$ I’m cancelling my policy.
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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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