Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: K. Chandra

Great Customer Service!

We've been with embrace for over two years since we got our new puppy. They have been excellent to work with. They helped us build the right policy for our pup, and continue to be helpful every step of the way. Their response time is super fast and personalized. The claims process is faster than anything I've encountered with any other "insurance" on the market (health, car, etc.). I highly recommend Embrace to all our friends and family and I'm so thankful a friend of ours recommended Embrace to us.
5

out of 5

POSTED: | BY: peter Watton

Very Happy with Embrace

I am very satisfied with all the help I've gotten with signing uo for insurance and the Wellness program. Very informative and pleasant people to deal with. All the emails letting me know what is going on is great. I will recommend this insurance to other people whwnever I can. Thanks for all your help
5

out of 5

POSTED: | BY: Kim Johnson

Outstanding customer service

I really appreciate how the Embrace team took the time to communicate with me through the process of my claim. There was a slight delay in processing the claim, but the folks at Embrace kept me in the loop. Everyone was very friendly and prompt in replying to any questions I had. Thank you for providing such great service.
1

out of 5

POSTED: | BY: jack

Save your money

Don't bother wasting your money on Embrace. They always deny claims. My dog had an ear infection that had nothing to do with a dermatology issue, yet that's what they cconsidered it. That's par for the course with this company. I'll be canceling the policy when it's time to renew.
5

out of 5

POSTED: | BY: Janis Parks

smart move!

my kitten (sneakers) is a beautiful tuxedo but had a bit of a rough beginning. I found her in the engine of a car in a parking lot...only 4 weeks old and covered in grease and fleas with a burn on her head. the vet said she seemed healthy enough, but who knew what would show up later. so we thought the embrace insurance was a good idea. well, as it turns out, sneakers is very healthy, but a bit of a scoundrel and has had 1 episode of near choking on her collar and one episode of eating something that made her very sick! embrace has been the best! no hassle at all even with 2 claims in very short order! we will never cancel. sneakers loves embrace.
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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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