Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
1

out of 5

POSTED: | BY: Krystal Ellsworth

Would not recommend embrace ever again.

I loved this company til they screwed me over. Beware when your pet gets older they price gauge you to the point where you have to leave and you’re left with an elderly pet without insurance. And they don’t even care about it. Nothing was done to make it right. These companies ultimately don’t care about you or the well being of your pet. I will never recommend embrace ever again. Find somewhere else to insure your pets before they get older and they do this to you. My pets insurance went from $60 a month to almost $400 per month. Heartbroken
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5

out of 5

POSTED: | BY: John Morrison

Customer service is great and claims are paid fast

Customer service is great. So nice not to have to do everything via email or chat. The phone reps pick right up. So easy to submit a claim and get reimbursed. All claims have been paid as outlined in the policy with no issues. I normally get deposit 48-72 hours after I submit my claim. So far they have paid almost $9k this year due to my dog being diagnosed with Lymphoma.
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5

out of 5

POSTED: | BY: Bobbie Ross

Easy to use

This insurance company is easy to submit claims and the reimbursement was on my account within 3 days. So far I am very satisfied with embrace
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5

out of 5

POSTED: | BY: Lydia Bulas

Great representative who resolved my…

Great representative who resolved my issue right away
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5

out of 5

POSTED: | BY: Chaz Trimble

Having Embrace Pet Insurance is a MUST

Having Embrace Pet Insurance is one of the best decisions I’ve ever made. Our fur baby means more to us than words can say. We learned the hard way in tough situations with our previous fur babies and didn’t want to be unprepared again. We recently had a scare and had to admit our fur baby to the hospital. Thankfully he pulled through and made a full recovery. The bill for the treatment was well worth the outcome, but needless to say it would have not been possible for most owners to do as the cost was high. It would have substantially put us behind financially, but Embrace saved the day for us. Having the support from Embrace gave us security and allowed us to decide to save this precious dogs life. Without Embrace Pet Insurance we would have lost all we owned to save his life. Can’t express the gratitude we feel. I highly recommend all pet owners get Embrace Pet Insurance. I know I will use them for every pet we have for the rest of my life. You never want to have to use it, but if you do, you’ll want it to be with Embrace.
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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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