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: Mark

Get it dont delay

Embrace is an affordable well-thought-out insurance plan for your pet there's no reason to go without it and it will save you in an emergency and it will save you in day-to-day vet bills
5

out of 5

POSTED: | BY: Lasch

Protect your pet with Embrace!

Easy to obtain forms for the vet. Embrace is clear in what is covered. They offer coverage on non-sick visits. Refunds are prompt. Pricing is competitive. ??
5

out of 5

POSTED: | BY: Tobi

Fabulous!!

We have been an Embrace customer since our 6 year old joined our family. They have fabulous customer service and reply promptly to claims. I love having Embrace on our side. Fabulous!!!
4

out of 5

POSTED: | BY: Julie

I have only submitted two small claims…

I have only submitted two small claims on one of my pets but neither one of those were high enough to exceed my $500 deductible. I did have to follow up with customer service several times on the first one to get it to apply towards my deductible but it finally did. They kept saying there was a computer glitch problem. The second one applied towards my deductible right away. My policy renews next month, so we'll see what happens this next year if I have a claim that would exceed my deductible. The rates seem High when you don't have any medical problems over the year to claim but when major things happen such a surgeries are cancer, then the rates don't seem unreasonable at all.
5

out of 5

POSTED: | BY: DALE

has been a big help.

has been a big help. very easy to file claims. get updates along the way.
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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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