Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
1

out of 5

POSTED: | BY: Gary Evans

Summitted a claim for a lump in my dog neck.

Summitted a claim for a lump in my dogs neck. EC0865-6576, the vet did a needle aspiration of the cyst and found it to be non cancerous, thank god. But Embrace said it was a skin condition and that no needle aspiration was done when the invoice clearly stated they had performed a needle aspiration of the cyst. I complained to only have them tell me it was not covered and if she had cancer in the future she would not be covered. Very Dissapointed.
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2

out of 5

POSTED: | BY: Vicky Chen

Phone communication lacking reasonable customer service

I called to inquire about wellness coverage/cost for teeth cleaning. I was speaking to someone not knowledgeable about Embrace insurance coverage; it seems like I am talking to call center in Philippine. I was not getting my point across.
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5

out of 5

POSTED: | BY: Albert Jankowski

Excellent service and paid out…

Excellent service and paid out quickly.
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5

out of 5

POSTED: | BY: Keith Richardson

Our dog,Deacon

Our dog,Deacon, has been insured with Embrace for 4 years. Our chosen plan includes wellness visits and up to $10,000 additional service with stated deductible. Embrace has always been super with reimbursements with minimum questions.
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5

out of 5

POSTED: | BY: RAJ

I wish human insurance was this easy

I wish human insurance was this easy
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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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