Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Heather

Love the Wellness Rewards program

This is like a health savings account for your pet and Embrace executes the plan without flaw! I love that I can send in simple receipts for health wellness visits and be reimbursed. So helpful to my budget!
5

out of 5

POSTED: | BY: Dawn

Embrace is quick and efficient!

We have been pleased with the quick and personal response to our enrollment ad our reimbursement. Our only wish is that the wellness program could be bigger, since it doesn't go very far.
5

out of 5

POSTED: | BY: Samantha

Best coverage and great service!

After several very pricey vet visits with my chihuahua pup, I decided to take out an Embrace policy upon recommendation from a friend. I did a lot of research on the various policies, and ended up going with Embrace because it was BY FAR the best price for coverage of breed-specific conditions. I was shocked that I could pay a premium at other pet insurance companies, yet if my Chi is ever struck with a collapsed trachea, eye infection, or luxating patella, it wasn't covered unless I paid $20 more a month! With Embrace EVERYTHING is covered, and the wellness policy is very reasonable! Great customer service, fast and personal responses from everyone at Embrace, and my first claim was processed in less than a week. Couldn't be happier with my choice!
1

out of 5

POSTED: | BY: Lisa

I'm so disappointed in Embrace Pet Insurance

Today I received two emails from Embrace. One saying that they are happy to have reviewed my appeal on my dog and they are going to pay me the $168.00 claim. The other email was to inform me that after reviewing the same appeal the are sorry but they can not over turn there decision to declines $16,500.00 claim since Underwritting does not believe my Vet's professional opinion is proof enough that my dogs diabetes is NOT from a prior diagnosis of pancreatitis. They put my pets well being first but not in this case. They have paid out claims before regarding this but not anymore. So should I let my pet die next time I need to go to the ER? Or will they denye gain. I waiting to hear back on this for the THIRD time. Sjame on Embrace.
5

out of 5

POSTED: | BY: john

Awesome Service

I had purchased my puppies insurance policy with embrace, by chance, she broke her tooth within the first couple weeks of coverage. The embrace process was seemless, and I will be a customer for the life of my dog. Good job Embrace!!!
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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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