Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,717

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: Vanessa Lynn Cahill

The customer service was fantastic

The customer service was fantastic. He explained everything to us so well and was able to help us get the best plan for us. He explained that the reimbursement part comes by really fast so we wouldn't have to wait long.
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5

out of 5

POSTED: | BY: Melynda

Excellent experience with Embrace

We are very grateful to everyone at Embrace for always processing our claims quickly and accurately, each time with excellent communication and updates. Our dog was very ill toward the end of her life and Embrace was there with us through the end.
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5

out of 5

POSTED: | BY: Nya Jones

Quick to respond

Quick to respond. I lost one of my claim checks and they reimbursed me ASAP.
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3

out of 5

POSTED: | BY: Pat

Unfortunately

Unfortunately, it is too difficult getting a representative on the phone, Everything cannot be resolved on line and by chat.
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5

out of 5

POSTED: | BY: Cindy arias

The guy that helped me I wish I asked…

The guy that helped me I wish I asked for his name and if I did I forgot his name, he was so helpful. He helped change my email, corrected my user name and told me how to update my password. He stayed on the line and walk me thru to upload my claim.. This is five star customer service. Thank you Thank you Thank you.. service was either 10/22 or 10/23/24
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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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