Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Katherine Taylor

My representative was so informative

My representative was so informative. I appreciate her time explaining in detail what the insurance covers. A satisfying experience knowing my dogs and soon litter will be protected by a good insurance company that meets your needs and budget friendly I will recommend to new owners of my puppies as well
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5

out of 5

POSTED: | BY: Dominic Campanelli

Simple process

Simple process. I'll be more please when the claim is accepted.
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1

out of 5

POSTED: | BY: David Faulkner

On hold for way too long trying to…

On hold for way too long trying to remove a dog that passed away and then they credited me for the wrong amount. Long time customer of Embrace but doubt I shall continue with them.
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5

out of 5

POSTED: | BY: CeCi L.

Happy after 2 years

I have been with many different pet insurance companies, and I am extremely happy with Embrace. The rates are very reasonable. Just like ANY other pet insurance it's all on what YOU choose for your pet on coverage. You can have $10.00 a month up to $500+. I have 2 pets on Embrace and both pets I have high coverage on them because I CHOOSE too. Now the refunds are quick returns. Customer service staff are professional. Everything is self-explanatory on the paperwork that has been sent to me or if I look online. Again, if you don't understand something call customer service. I have had no problems with anyone, past or present and I have been with them for 2 years so far.
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5

out of 5

POSTED: | BY: Barbara Cazanave

Submitting a claim is easy and being…

Submitting a claim is easy and being reimbursed is quick. All my questions were answered with satisfaction I’m glad I insured my pets with 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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