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: Ethel

Always on Time

I can always depend on Embrace taking care of my claims for my pet after many visits to the vet. They always get in touch with you to solve any problems that may come up and they solve the issues quickly. I really appreciate their service.
5

out of 5

POSTED: | BY: Estelle

Thanks!!!

Perfect! Fast and efficient. Bill (> $900) from last Thursday already refunded on Wednesday morning. It helps! So much stressed by my dog’s health, fortunately I do not have to worry about the cost. Great service!
5

out of 5

POSTED: | BY: Mary

Reliable coverage with few questions

Reliable coverage without a lot of questions or uneccessary messages
5

out of 5

POSTED: | BY: Jason

Great experience!

The real test of an insurance policy is how it performs during a claim. My Embrace policy worked exactly as expected, exactly when I needed it to. It saved my boy's life. The claims process was simple and straightforward. I would absolutely recommend carrying a policy with this company.
5

out of 5

POSTED: | BY: Melissa

Wonderful staff

Everyone is so friendly. The staff works very well with my dog’s veterinarian. I would highly recommend!
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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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