Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,853

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.
4

out of 5

POSTED: | BY: Jeanette

Great dog insurance

I have enjoyed working with Embrace Pet Insurance. The customer service folks are very helpful and friendly. They acknowledge receipt of a claim very promptly. My only wee "beef" has been the length of time it has taken to reimburse my most recent claim -- it took a month. That seems to be a bit long. Otherwise, I'm glad we have Embrace to cover our dog's health needs.
5

out of 5

POSTED: | BY: Mary

Easy, And wonderful service....so far.......

Wonderful....Thank you!
5

out of 5

POSTED: | BY: Bill

Don't Even Hesitate

ON my third dog, first time having any type of pet insurance. Looked closely at 3 different companies & due to reviews chose Embrace. Am just blown away by the follow-up & customer service they provide. If you own a pet using Embrace is one of the best decision you can make for both you and your loved animal. These guys arae GREAT!
5

out of 5

POSTED: | BY: Farah

i love embrace and so does ryder!!! :D

Extremely helpful reps, fast service, fair, and hassle-free! The claim took a bit longer this time, but that's due to a transition in their computer system. Usually the claim period is super fast.
2

out of 5

POSTED: | BY: Melony

Very slow response time

I was very pleased with Embrace until my last 2 claims went way beyond an acceptable amount of time to review. It took over a month to hear their response and then when it was reviewed they denied my claim which I thought was not fair.
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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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