Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,979

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.
4

out of 5

POSTED: | BY: Stacy Swentko

Good coverage & customer service

I would recommend embrace pet insurance. They covered our dog's gastro work up, including needed bloodwork. They also covered the removal of a wart our pet was picking at & making bleed. They covered accompanying prescriptions as well. Customer service is friendly & they quickly respond to questions. Their review of claims are completed in a reasonable amount of time & they contact the vet if more info is needed. I like that because it saves me time.
5

out of 5

POSTED: | BY: Thomas Williams

Quick response to my claim.

I did not anticipate using Embrace so soon after I took it out, but, my Leonberger puppy was throwing up often for five hours and I was concerned. The vets and staff were comforting to my wife and me, especially as it was the night before Easter Sunday. We were relieved to learn that our puppy did not have any serious illness.
4

out of 5

POSTED: | BY: Tera

Good product

we researched a lot of companies before selecting embrace and so far I am very happy with the coverage and service. Our dog has broken his foot and had hypothyroid testing since we purchased the policy. Both conditions were covered. I also appreciate the great customer service we have had when dealing with embrace.
1

out of 5

POSTED: | BY: David

Terrible coverage

I have been extremely disappointed with Embrace's care. They have claimed that every problem was a pre-existing issue. Our vet has reached out to them to try to clarify the situation and explain that the condition was not pre-existing, but they don't seem to care. If I could do it over again, I would go without insurance rather than use Embrace.
5

out of 5

POSTED: | BY: Melinda Davis

Always quick and easy to resolve claims!

Love the Wellness part of the policy :) With a lab you never know what they will get into so it's a relief to know Elly May is covered!
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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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