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: Kim Henning

Submitting a claim is very easy online…

Submitting a claim is very easy online and I have had good experiences with coverage. Embrace has been well worthwhile.
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1

out of 5

POSTED: | BY: Fallon Houser

Auto-renew Scam Artists

We have had embrace for MULTIPLE years with zero claims, but premiums that went up with every "automatic renewal period"- without any kind of notice, email, snail mail, etc that justified the hike. When asked why I never received an email - they claimed they sent them, but that it isn't "their problem" if they aren't received. As a K9 professional that goes through my email and files them daily, as well as checks through spam - I call BS. I have a couple hundred bucks in legitimate claims to make, but will be cancelling embrace soon after.
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5

out of 5

POSTED: | BY: Jerry Talbert

My dog haven't been to the hospital yet…

My dog haven't been to the hospital yet but i trust this company because i have friends that have the same insurance and y'all handled everything well including customer service plus I'm reading all of the testimonies great reviews! 😁
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5

out of 5

POSTED: | BY: khristin

So far so good with Embrace

So far so good with Embrace. My pup has been pretty healthy up until recently. First claim was seamless other than wanting more info that I didn't have because the dog was only seen for wellness. When clarified my reimbursement was sent shortly after. Just submitted another claim from ER with more issues hopefully will go just as well. so far very happy with Embrace.
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4

out of 5

POSTED: | BY: Brenda Brown

Just submitted my claim and will update…

Just submitted my claim and will update star rating once the process is complete. Submitting the claim was very easy, so I'll go with 4 stars for now.
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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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