Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Judith

Prompt response

Dakota has a mass on his aorta. Its symptoms came on suddenly, and it cannot be removed. A surgical procedure will give him a chance of a year or more with no restrictions. We are devastated. Because of Embrace, we are confident that we can give Dakota the best chance possible without also incurring a significant debt. Their claims process is easy and quick. If you have a question, their CS reps are wonderful. Thank heaven I purchased Embrace Insurance.
5

out of 5

POSTED: | BY: Nina

Great care and communication

We have been using Embrace and have had very positive experiences with our 8 y/o shar pei Keaton for about four years. We rescued his sister Addison last spring and added her to the policy. Although our coverage has its challenges with her past history and the pre-existing conditions of shar pei, we have been very satisfied overall with coverage, communication and even appealing several claims. The Customer Service staff and the adjusters are articulate, helpful and responsive. We explored changing carriers when we added a second dog but decided that Embrace was still the best choice and have not regretted our decision.
5

out of 5

POSTED: | BY: John

Prompt response

Have only had wellness visits, thankfully, for our two Labs. Embrace has responded quickly and reimbursed us for those charges. Have yet to place a claim for an illness or injury but would expect same level of service.
5

out of 5

POSTED: | BY: Richard

Great coverage. Quality Customer Service.

Embrace was recommended to me and I am thoroughly satisfied with their customer service, coverage, and ease of claim submissions. I have had other pet insurance which was not bad but Embrace is definitely better.
4

out of 5

POSTED: | BY: John

My concern with a claim was resolved within 3 days to my satisfaction.

I questioned a denial of a claim made in November. After sending additional information to Embrace my concern was resolved in a positive manner.
Please leave a review

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.
Provider website

Get a quote today

Leave a review