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: Daniel Reitz

Quick and easy

Simple to submit claims and a very quick turnaround (1day) to hear what is covered and that a check was in the mail!
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2

out of 5

POSTED: | BY: Kaylee Gromek

I would call quite often just to follow…

I would call quite often just to follow up on things and see if I needed to submit any more documentation or what not and some of the people I talked to were very nice and helpful however others were very rude and came off super annoyed from the second they answer the phone, this made the process even more stressful for me seeing that I was dealing with a sick pet and this was my first time purchasing pet insurance thus I’m unfamiliar with the process and was just looking for information about how things work. I don’t make a lot of money and I feel like a spend a lot out of my monthly budget for this insurance for my dog so I was expecting to be treated better.
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5

out of 5

POSTED: | BY: Susan Tietjen

Good service!

It took time to get comfortable with the website, but now it's really easy and they respond quickly.
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1

out of 5

POSTED: | BY: mike harris

Claim denied because they stated there…

Claim denied because they stated there was a six month waiting period for orthopedic issues. I don't see how an infection due to a foreign body in the paw is related to this. Seems like the company is all about denying claims.
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5

out of 5

POSTED: | BY: Nancy

Embrace has been very responsive and…

Embrace has been very responsive and quick to reimburse qualified claims. We have been pleased with this insurance - switched after some issues with another!
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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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