Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Christopher

No Surprises

I have had Embrace for about 6 - 7 years. Embrace has always been honest and fair. I bought some coverage mainly for catastrophic times, but Embrace has always come through to help out even on some preventative measures. No surprises and always eager to help.
1

out of 5

POSTED: | BY: Diana Munier

Not Happy

I have Prescription Coverage for my Germanshepherd and have notreceived any money for any Prescriptions! What is the point of this, if I never get anything back???
5

out of 5

POSTED: | BY: Donna

Great company to work with

Trista is a pug mix. She has a digit on her eye and has to go to the vets multiple times. All the claims were handled quickly. Super company to work with. I had another provider for my previous dog and can honestly say, embrace beats them for customer service.
5

out of 5

POSTED: | BY: Patricia Reid

The only bright spot about going to the vet

When my dog Duke was a puppy, I took him to the a neighborhood vet that came highly recommended to us by our neighbors. I researched a bunch of pet insurance companies and had decided on Embrace. The first time a gave an Embrace claim form to our vet, the receptionist said that she had never heard of Embrace, which scared me, but deciding to go with Embrace for coverage was the best thing I could of done for Duke. Every claim that is sent in I get something back from them, with a detailed, full explanation of my refund. Whenever I need to take Duke to the vet, I feel like a have a partner helping me pay his bills and it eliminates the worry. I am so grateful to them for providing me with the peace of mind that the do!!!!! Thank you!!!
5

out of 5

POSTED: | BY: Kendra Porta

easy to work with!

I have had a great experience with Embrace so far. Luckily, I haven't had too many claims, but for the ones I did have, they were easy to submit and were processed quickly and fairly.

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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