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.
5

out of 5

POSTED: | BY: Amanda Crandall

Pet owners need these folks

We used Embrace for our accident-prone pup for most of his life. Submitting claims was easy, and they covered everything that we expected with no issues. They were also very kind when he passed away in his old age and gave us a refund for the remaining time on his policy. I highly recommend them.
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5

out of 5

POSTED: | BY: susan s

Very Positive Experience

Was very easy to use the Embrace calculator to figure out an acceptable payment for the Embrace insurance and Wellness plans. I chose Embrace primarily for the Wellness Plan that many other companies do not offer but when I did have a medical claim it was fully covered almost immediately. When I had a question recently the Customer service person was knowledgeable and helpful. My experience with Embrace has been very positive.
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5

out of 5

POSTED: | BY: Joanne Long

grateful

I can’t express how grateful I am for the peace of mind that Embrace Pet has provided me. Their customer service is exceptional, always friendly, and ready to help with any questions. My premiums are affordable, and the claims process is simple. I highly recommend Embrace Pet to all pet owners looking for reliable, trustworthy insurance. They've truly been a lifesaver!
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5

out of 5

POSTED: | BY: Kathy

They left me know every detail as they…

They left me know every detail as they were processing the bills. I expected everything to take a long time. Everything was finished in less than two weeks. Everything was done with kindness.
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1

out of 5

POSTED: | BY: Ruairi

Horrible service

Horrible service, would not recommend. They are in it for the money and nog for your pets wellbeing or the customer. I have been a member since 2016 and had revised online because they kept raising their prices. I tried to revise it a month and realized it needed to be done over the phone. The customer sales rep was useless and had no knowledge of anything and put me on hold for 20 minutes to only come back and say they could not change my coverage and increase coverage back to what Ive had it at for 8 years. Crazy business they run, when asking why they said my dog is old and she probably has some issues. Which this is not the case. Needless to say I will be shopping around for a new pet insurance provider. This company is Garbage!
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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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