Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Anita

Claim review

Our Yellow Lab, Tucker was recently seen for an ear infection. I made a claim for the lab test and medication Tucker was give and like always Embrace covered the expenses. I can't say enough about this company, I have never had a problem, EVER! The representatives are alway polite and very helpful. I'm so glad we chose Embrace as our pet insurance company!
5

out of 5

POSTED: | BY: Mindy

Fast Claims

I am so grateful I signed up with Embrace. Unfortunately, in the past 6 months between our 3 dogs, we have had 2 major surgeries, a biopsy, and an eye issue that we still do not know the cause.
5

out of 5

POSTED: | BY: Gail

Excellent customer service

Their customer service is the bomb! I've had two dogs insured with them since 2013 and thankfully have only had wellness claims. I submitted a wellness claim recently for my mixed breed Frankie and there were 2 prescriptions put on the same claim. Embrace customer service walked me thru how to properly submit a wellness and health claim on the same form and exactly what was needed. Since I wasn't interested in claiming the prescriptions they kindly are processing just the wellness part of the claim. Saving me a lot of time and aggravation.
5

out of 5

POSTED: | BY: Holly

We LOVE Embrace!

Embrace has been such a wonderful insurance company for us. Our new puppy has had some unexpected health problems, and they have been nothing but supportive. Thank you!
1

out of 5

POSTED: | BY: Scott

Disappointed

First of all, receiving a letter from Laura Bennett (CEO) is just a form letter. Secondly, the claim check I received 2 weeks ago was for a claim submitted in October of last year. And last, I would stay away from this insurance company. I have an ongoing dispute with them and get stone-walled at every turn.
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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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