Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Mitch

Terrible Service!

Do not waste your time or money with this company! You literally have to fight for every single claim submission. I have been paying for Embrace accident coverage for my Chihuahua for about 6 years now. He recently fell off the couch and hurt his back and they would not cover the $200 vet visit because they said it was an illness claim... REALLY!?! So him accidentally falling off the couch and getting hurt is an ILLNESS?! I have literally had to fight for every single claim for both of my pets resulting in hours of wasted time. I would not recommend this pet insurance to ANYONE!
5

out of 5

POSTED: | BY: Renita Wallack

Fabulous Response

Embrace was so quick in processing the claims for my dog Kia. It's enough worrying when something happens to your pet, to have such a quick response from Embrace is a very settling feeling. Thank you so much
5

out of 5

POSTED: | BY: Mayra Cucullu

Has Offered Me Security

I have utilized Embrace Pet Insurance for two years, now, and I have to say it was a wise decision to make. Routine visits have been covered (though, this requires an add-on), and even, though, an emergency visit hasn't needed a claim yet, I know that in the future, it would be the least of my concerns.
5

out of 5

POSTED: | BY: Emily Mullen

Embrace is well worth its reasonable cost.

Coco Rose, our darling rescue chihoodle, after gnawing too enthusiastically on a beef bone, strained to defecate for 2 days, and after feeding her pumpkin had no effect, she began to vomit and refuse food. It was, of course, a Sunday morning-our vet practice not available- so we rushed her to an emergency vet clinic, charge card in hand. We are retired, on a fixed income and concerned about costs, knowing we would tell the vets to do everything possible to help her and figure out how to pay off the charge card later. It was going to be our first claim with Embrace. The staff at the ER was wonderful, and after 2 days of 24 hour intense care Coco was able to come home to finish her recovery. We followed up the next day with our regular vets.
5

out of 5

POSTED: | BY: Judith C

Worth It!

Speedy processing of claim. Good coverage.
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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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