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: Andrew MacQuarrie

Very easy to work with

Very easy to work with. Quick and easy to submit a claim, with really fast reimbursement. The peace of mind of having this policy in place was a real lifeline when my pup had an emergency
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5

out of 5

POSTED: | BY: Tiffany Lopez

Customer service is great

Customer service is great, they returned portion of my cost pretty quikly after the claim was made.
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5

out of 5

POSTED: | BY: John McClain

Professional and timely

Professional and timely
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2

out of 5

POSTED: | BY: Metal -

Kinda silly how you need to select the…

Kinda silly how you need to select the "wellness rewards" the completely optional benefit just to get covered for a vaccine. If I'm paying for insurance I should automatically have that as a feature in my policy. There should be no "optional reward" for a vaccine exam. That's like saying "if you tip us we'll give you something that you should've got in the first place"
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5

out of 5

POSTED: | BY: Simone

I find Embrace fair and quick with…

I find Embrace fair and quick with processing one's claims. It's also an easy online process which I appreciate.
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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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