Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Debbie Kaeser

Very satisfied with the service I received regarding the claim for my pet.

I have renewed faith in pet insurance. When I questioned the findings on my claim, it was immediately reviewed and addressed. I feel comfortable that this company carefully looks at claims and tried to accommodate if warranted. .
5

out of 5

POSTED: | BY: William Durham

Highly pleased

My claim was processed quickly even though the Christmas/New Year's holidays were in full swing. I chose Embrace as my pets insurance after careful research of all pet insurance providers. I'm fully convinced that I made the right choice and will insure future pets through Embrace.
5

out of 5

POSTED: | BY: Sarah Tucci

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 Ann

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.
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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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