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: Terry Swinney

GREAT PROCESS ALL THE WAY AROUND

All was great. The representative I spoke to was Polite, Professinal and answered all my questions clearly and easy to understand. PERFECT EXPERIENCE
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1

out of 5

POSTED: | BY: E F

Just like any other insurance company…

Just like any other insurance company out there. “We‘ll cover the small stuff.”. God forbid your furbaby gets a rare disease like ours did. They just went “Sorry! It’s now not covered by our policy!”
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5

out of 5

POSTED: | BY: Noreen

The website is a great easy tool for…

The website is a great easy tool for submitting a claim!
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5

out of 5

POSTED: | BY: Donna R M

Embrace has always come through for us

Embrace has always come through for us. Very clear about what is and isn't covered. And so far Embrace has covered everything we expected them to! Very happy to have found Embrace.
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5

out of 5

POSTED: | BY: Chantel Shouse

It is easy to submit a claim

It is easy to submit a claim. Most claims are approved with very little pushback. Coverage terms are easy to understand. I have used them for all 3 pets for the last 10 years. Rates have gone up but that might be related to the age of my pet as well.
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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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