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: Sarah

Amazing customer service!

Anyone who loves their pets needs Embrace insurance. You never know when the unexpected will happen, and they will be there for you. Submitting a claim is easy and reimbursement is fast. Thank you Embrace for such amazing customer service and compassion, it is greatly appreciated!
5

out of 5

POSTED: | BY: Jo

Embrace is the best pet insurance one can purchase. ❤️❤️

Anyone looking for the best pet insurance ever, I highly recommend Embrace. I have been very impressed with it and have recommended it to many of my friends.
2

out of 5

POSTED: | BY: Don

Embrace needs to accept uncommon situations

Our dog was diagnosed with a cyst one week after we had just switched insurance companies. Five weeks later she was diagnosed with a very rare cancer. Embrace insists this is a pre-existing condition and won't cover her medical expenses Although Embrace may have the small print to exclude our dog from coverage, they did nothing to investigate the real facts of this situation to see, in reality, that this is NOT "pre-existing" in any way. If we had known of a pre-existing condition, why would we have switched insurance coverage knowing it would have caused us to lose coverage for our dog?? I feel Embrace is very uncaring about unusual cases like this and could have done more to give coverage we are paying for.
5

out of 5

POSTED: | BY: Einat

An insurance company that actually pays!

I still can't believe they actually kept their promise! For the first time in my life, I've encountered an insurance company that doesn't lie/try avoid paying what it should. SUPER happy with everything from A to Z! Never had an issue, every claim I submitted and was supposed to be accepted by our policy- was actually accepted! I even got an actual reimbursement check from them. Highly recommended to ANY pet owner out there!
5

out of 5

POSTED: | BY: David

Superb responsiveness, professionalism, and technical expertise!

Embrace has been very responsiveness to our needs during the consultation and surgical procedure for our Chihuahua. Their professionalism and knowledge were paramount to fulfilling both substantiation and reimbursement requirements of this veterinanry claim. Looking forward for many more years of working with Embrace on the health of our dogs.

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 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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