Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: KAREN ASPINALL

We are grateful for Embrace

I am so happy we chose Embrace for our dogs’ pet insurance. Unexpectedly one of our pets needed to have back surgery (disc issue). A very scary situation bc she was paralyzed in her back legs. Embrace was great to deal with. I submitted the paperwork and was reimbursed very quickly. Our sweet Lily is now walking, playing and doing amazing. We are very grateful for Embrace. 🩷
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5

out of 5

POSTED: | BY: customer

I have been very pleased with Embrace…

I have been very pleased with Embrace Pet Insurance. Definitely has been helpful with Sebastian visits and emergencies. The reimbursement helps also. Definitely recommend to anyone who has pets.
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5

out of 5

POSTED: | BY: Andra

Fast and fair turn around of all…

Fast and fair turn around of all claims. Customer Service always helpful and professional. Thank you Embrace!
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1

out of 5

POSTED: | BY: Stephanie

Bait and Switch on premiums with Embrace

The first year I signed up for Embrace for our 7-year old Maltese, our premiums were $93/month for unlimited annual and lifetime coverage, with a $500 annual deductible and 90% coverage. When it came time to renew for year two, I was notified that my premiums would go up 52% to $141/month for the same coverage. I had to significantly cut our coverage to reduce our policy back to the same $93/month. This felt like a big bait and switch, but we already invested a year in this plan so we opted to continue at the lower coverage level. The customer service agents are friendly and helpful but the company seems set up to provide increasingly fewer benefits for more money over time.
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5

out of 5

POSTED: | BY: Kahleia KdubComics

Love their customer service

Love there customer service
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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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