Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: William McKenna

I have had Embrace for about 4 years…will always keep them.

I have had Embrace for about 4 years now, having three of our dogs covered by their insurance. Their claims submission process is very easy, and they process the claims promptly. Their customer service is great, and their coverage plans and choices are numerous to fit your needs. I highly recommend Embrace. They are also compassionate and understanding when dealing with you.
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5

out of 5

POSTED: | BY: Susana Delgado

Embrace has been the best pet insurance…

Embrace has been the best pet insurance company for my cat. Their representatives are always patient and attentive. They work well with my cat’s veterinarians and collect requested documents thoroughly. My only complaint would be that the Embrace website and app have a habit of not working or showing the same information. Should your claims ever get duplicated or removed, it’s always best to communicate back to Embrace by phone. Once you are able to speak or email directly with one person, the claim process is much smoother.
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5

out of 5

POSTED: | BY: customer

Embrace was easy to work with and…

Embrace was easy to work with and always had great customer service
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5

out of 5

POSTED: | BY: Linda

Easy to submit claims

Easy to submit claims. Turn around time on payments is rapid. I wish I had all my pets on Embrace
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1

out of 5

POSTED: | BY: Falcon

DO NOT GET THIS INSURANCE BAIT AND SWITCH!

I obtained this insurance for my puppy who was a few months old. The dog does not have any medical conditions or issues. At the time of renewal, the policy went up by close to 40% despite the dog being one year old, having no conditions. In my opinion, this is is a bait and switch with low prices in the beginning to get you to enroll.
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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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