Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Michael

Fantastic Experience

I have only great things to say about Embrace. My dog was diagnosed with cancer in his right front leg which required an amputation. Obviously this was a traumatic event for us all but the only part of this whole ordeal which went along seamlessly was the insurance claims process. My calls were answered professionally and compassionately. Claims were submitted and I received emails about the status of each. I received numerous updates and payment was received within 2 weeks. I could not be happier with Embrace, their customer service or their product. I would HIGHLY recommend this company as they have exceeded every one of my expectations
5

out of 5

POSTED: | BY: Peri

Amazing service!

All my interactions with Embrace have been nothing less than excellent.
4

out of 5

POSTED: | BY: Erin

Good overall

Hi, I've been happy with Embrace--I've had my two cats covered for 8 years. My experience thus far was that the first claim was accidentally rejected but then covered by them once I called. Since then everything covered within the policy has been covered at the 80% level. What I don't like is that you have to pre-pay everything, and what I REALLY don't like is that you can't call in to pay the annual premium, the only option is an auto-deduct payment system. As the cats age it gets more expensive and this is ridiculous! I hope they can fix this and also lower costs overall as more people opt for pet insurance. Also I think that dental should be covered within the basic plan--what is more basic than dental care?! I feel the same way about insurance for humans--it should cover dental without extra cost!
5

out of 5

POSTED: | BY: Elizabeth

Just great!

This is our first year with Embrace, having switched over from VPI. We could not be happier with their response time, coverage and ease with the claims process. We will be sticking with Embrace for our future pet insurance.
5

out of 5

POSTED: | BY: Rebecca

Excellenct Customer Service, Caring Team of People

Great customer service. Very compassionate, thorough, and articulate. They are on top of things. Top rated pet insurance. Highly Recommend

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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