Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,312

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: Anna Mitchell

Excellent Customer service

Embrace has been very quick to acknowledge claims and to let me know where my claims are in the process. The staff is very courteous and seems quite competent. I would definitely recommend them to other pet owners.
4

out of 5

POSTED: | BY: Alexis Godfrey

Honest Company

I chose Embrace because of consumer reviews. I now spread the word wherever I go. They are available to answer any questions and are very transparent about what they cover and why/why not.
5

out of 5

POSTED: | BY: Kerry Kelly

Wonderful Customer Service

We have had Embrace Pet insurance for about a year now and just reupped for a second term. My experience so far has been nothing but positive. The claims embracerers have been responsive to my questions via email and my claims have gone through in a matter of weeks with autodeposit straight back into my bank account. I have had no problems with coverage of claims, the entire process is smooth and straight forward with an extra added benefit of personalized customer service.
5

out of 5

POSTED: | BY: Michael

Peace of mind

It's really a great comfort to know that whenever a pet is perceived as having any health related issue that there is no longer a reason to feel stressed about whether or not to take the pet to the vet to get checked out. This is my 2nd year with Embrace and I wish I had known about them many years ago.
4

out of 5

POSTED: | BY: Bubbles' Mom

So far, so good

Disclaimer: I am a new customer and I am writing this review in response to the first reimbursement from Embrace. I also have nothing to compare Embrace to. So, more will be revealed but so far, so good. Excellent customer service: actual people who are kind, polite, and literate keep me up to date with the progress of the claim. Now, on the downside, I expected the policy to cover annual checkups. This is something that Embrace should provide: prevention, after all, is in their best interest. If they covered preventive care (i.e., annual checkups) I would give them a 10.
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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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