Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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 mask

Great insurance and convenient easy-to-use app!

Embrace was my first pet insurance. It was a great experience. All my phone interactions were helpful. The people were smart and knowledgeable. When I made a claim, the response was quick. The app is very easy to use.
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5

out of 5

POSTED: | BY: Iggy’s Parents

parents of lymphoma survivor

Working with Embrace has been a breeze. One of our girls has lymphoma and we've been able to get her treatment thanks to Embrace. Once you submit the first claim each one after is easier and faster. I really appreciate that they update the portal to let you know when your claim is being reviewed.
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3

out of 5

POSTED: | BY: Johnella Benton Joni

The firstepresentative had absolute…

The first representative had absolutely no compassion or understanding for my concern. After requesting her supervisor, the communication was totally kind and understanding of my concern. Pet owners are real people with real concerns.
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5

out of 5

POSTED: | BY: Jim Gooss

My Siberian Husky Coco had only been…

My Siberian Husky Coco had only been insured for 3 days. I had to go to the store and mistakenly left a bag of chocolate covered raisin clusters sitting on the couch. When I returned home I realized Coco had eaten the whole bag. I knew they were very toxic and I had to take her to the emergency vet. They took her right in and took great care of her. I filed the necessary paperwork with Embrace and they immediately reimbursed me according to the policy limits. I am very impressed with the way my claim was handled. I also learned a big lesson.
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3

out of 5

POSTED: | BY: Bridgette

The representative was great

The representative was great, I just got the answer I didn't want. I called Embrace to see why my premium keeps going up. Apparently it's nothing they can control and it has to do with the cost of vet services... Well I've literally never needed to file a claim with them the 4 years I've had them so I'm going to cancel my policy
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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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