Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Jane

Our pup swallowed corn cob pieces and…

Our pup swallowed corn cob pieces and was vomiting. He went to Vet ER and had them removed endoscopically. 2 weeks later our check from embrace was in my checking account!
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5

out of 5

POSTED: | BY: Lorraine Fontana

I can't say enough good things about…

I can't say enough good things about Embrace. They really are life savers. Thank you, Embrace!!!
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5

out of 5

POSTED: | BY: Margaret Klein

Easy filing process and fast return!

Easy filing process and fast return! I was really happy with how easy it was to submit the vet bill, without additional paperwork. I was also happy to get my return within 24 hours of filing the paperwork!
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5

out of 5

POSTED: | BY: Veronica

Staff genuinely seemed concerned about…

Staff genuinely seemed concerned about my dog's health and well-being.
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5

out of 5

POSTED: | BY: Regina Tiedemann

Why I did not cancel my policy

I called to cancel my pets policy, not because I was unhappy with Embrace, but because with the rate increase due to aging pets was cost prohibitive. I spoke with a customer representative who never once pressured me to keep my current policy, but instead offered different options. In the end, I went with one of the options as it met my needs and was affordable. I'm glad to continue to be an Embrace Client as my pets and I have always received prompt friendly service with claims, questions and more.
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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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