Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,627

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: Brian

So far so good with Embrace pet…

So far so good with Embrace pet insurance. I shopped around and they had the best price for what was covered. Getting the records up to date and getting the insurance working was quick. I've had two claims and they were processed and funded within 36 hours. That is pretty damn quick.
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5

out of 5

POSTED: | BY: Mike B

I have never had insurance for the pets…

I have never had insurance for the pets before, I was skeptical. Embrace has been amazing, most claims were paid withing a few days. No hassle, no questions. I am very impressed. I wish my health insurance was as good to work with.
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5

out of 5

POSTED: | BY: Krisanne Lane

Pet Insurance Made Simple

Embrace has been a wonderful resource for me in the years I've been with them. Submission of claims is so easy, and payment is very fast. Also any time I've had to contact them via phone, everyone has been kind and helpful, including my most recent call.
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5

out of 5

POSTED: | BY: Sonja

So easy to manage and manuever.

So easy to manage and manuever.
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1

out of 5

POSTED: | BY: Jerrilynn Sampugnaro

We are extremely disappointed with…

We are extremely disappointed with Embrace’s handling of our claim and will not be recommending this company to anyone. After taking our dog to the vet for an injury to his throat, he was referred for urgent treatment at the ER, which required major draining. Despite this, our claim was denied twice, with Embrace citing a "prior condition." This was not a pre-existing issue, but a new injury that required immediate and critical care. As long-time Geico customers, we expected much better service. The way this claim has been handled has left us frustrated and disillusioned with both Embrace and Geico.
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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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