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: Alissa Mckinney

Very happy with the response from Embrace

Very happy with the response from Embrace after our Corgi ate raisins and had to go to the Emergency Room.
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5

out of 5

POSTED: | BY: Norma Prisco

High recommendation for Embrace

Phone representatives are courteous and helpful. If they aren't sure of an answer to a question they check and quickly come back to phone with an answer. Claims are processed quickly and paid according my policy.
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1

out of 5

POSTED: | BY: M W

This company is horrible

This company is horrible. I had an underwriter decline my dogs SAR diagnosis stating that he had been blind before I adopted him. He had seen at least 5 veterinarians before I put him on the policy and not one of them noted any blindness. It literally happened overnight per my vet who also wrote them a letter. Save your money and go to Healthy Paws. They are a much better carrier. The sad part is that I have Embrace a shot because my agency sells their product. I have told everyone who will listen what a terrible company this is. I haven’t recommended this product to anyone ever again.
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5

out of 5

POSTED: | BY: Jennifer Weir

I am grateful to have Embrace Pet…

I am grateful to have Embrace Pet Insurance as an option for my cat's insurance needs. I have held an annual policy since 2018 and have had great customer service and support whenever filing a claim. They are incredibly quick in responding which I appreciate very much so.
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5

out of 5

POSTED: | BY: Nancy Oba

I was stressing over coverage

I was stressing over coverage, but the agent I spoke to was very understanding and helpful.
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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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