Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Rebecca

After researching several pet insurances, Embrace impressed me the most.

The agent was very helpful, knowledgeable, professional and courteous. I just signed up for Embrace for my two dogs after Fetch Pet sent me an email that my insurance was going to go up to over $500 a month. Also Fetch Pet charged the deductible for every event whereas Embrace charges the deductible once per year which is the way it should be.
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5

out of 5

POSTED: | BY: Stephanie Crawford

Our three dogs give 11/11 paws up (one only has 3 legs)

With our newest adoptees, beginning in 2019 we switched to using Embrace from another well-known pet insurance company that changed underwriters and became more difficult to process claims through. Embrace had the same coverage and similar pricing, but stood out for the excellent customer service. It could not be more clear what the exclusions are per pet, what they consider pre-existing for each pet, etc. I appreciate that there is no wondering what will or won't be covered! The refunds are very efficient, sometimes as quick as the same day!
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4

out of 5

POSTED: | BY: Bougie_B

Easy to sign up and download the app

Easy to sign up and download the app. I’m coming from healthy paws, which clearly has a better app experience so I would say that’s the only thing I would love to see upgraded
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5

out of 5

POSTED: | BY: Bryan Ruiz

Best customer service very…

Best customer service very understanding of my concerns with my current claim, honestly just some of the best people skill on their part.
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1

out of 5

POSTED: | BY: Amy Spivok

Bad first impression

My first interaction with Embrace was a negative. I called to tell them I received a post card with supposed enclosure key fob that had medical history & insurance information for my dog however , the fob was missing . I was supposed to get 24 hour follow up with an update for a new fob & 5 days later I am still waiting .
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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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