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: Valarie

Keep up the good work!

The reps are always very polite and helpful and the claim updates are pretty good. Would like to see breakdown of how claims were processed without having to call the reps. Is there any way to view that info?
5

out of 5

POSTED: | BY: Ramona

Embrace is the best pet insurance on the market.

I have had Embrace insurance On my Maltipoo for four years and have just added my new mixed breed puppy. They always cover well what the vet charges and quickly reimburse. I will never use another pet insurance. Embrace is amazing.
5

out of 5

POSTED: | BY: Derik

I like what they do

I love my buddy Haru and having them not only have a return on his wellness care. They also provide peace of mine if something serious comes up like a surgery.
5

out of 5

POSTED: | BY: AB

Quick processing, excellent coverage

The stressful situation of unexpected and expensive disc surgery was eased by getting a preauthorization that day and knowing all would be covered. The claim(s) was processed within a week and we received the check in less than 2! Also had to know our renewed ooicyvwi cover dental illness up to $1000 which was missing in past years. Thank you for listening!!
5

out of 5

POSTED: | BY: Kerri

Friendly people

Such friendly people to deal with. They are very responsive and thorough. Plus I've had no issues with them covering claims and the wellness benefits. Customer for life!
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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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