Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Latasha D

Support

The staff was professional and answered all questions. They were clear regarding coverage. Claims were paid quickly.
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5

out of 5

POSTED: | BY: Trish Woods

easy and expedient claims process

we really appreciate the ease that we have in submitting claims online and the expediency in resolving them. Very impressive!
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5

out of 5

POSTED: | BY: Kathy

Thank you Embrace

Thank you Embrace! You have been a life saver for Rilee. Your staff answers questions and is patient with our inquiries! Great company! Thank you again!
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1

out of 5

POSTED: | BY: Rutie Lannon

Dropped us and wouldn't reinstate…

Dropped us and wouldn't reinstate because of age of dogs and living in California. Spoke with managers, non-negotiable despite having this insurance for 2 dogs for years and had never submitted a single claim. So don't even bother with this company.
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3

out of 5

POSTED: | BY: Adam Davis

Not getting what we pay for anymore

We've been using Embrace for years and what used to be top tier service has significantly degraded. The website has issues, the call service is always overloaded, and I feel like they're more willing to fight us on coverage. This is one of (if not the) most expensive pet insurances out there and I once justified it by everything it offers but that seems to be changing.
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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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