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: Andrea Toro

I switched from another Pet Insurance…

I switched from another Pet Insurance to Embrace and it was well worth it. Embrace actually covers things. This is hands down the best Pet Insurance for a pet. They have plans that benefit everybody.
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4

out of 5

POSTED: | BY: JL Giamanco

The lady who helped me was great.

The lady who helped me was great.
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5

out of 5

POSTED: | BY: Brenda Stewart

So easy to submit a claim online and reimbursement is fast!

So easy to submit a claim online and reimbursement is within hours or a day! Very happy with this website and how easy it is to submit claims.
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3

out of 5

POSTED: | BY: Robert Bianchini

Wellness coverage

I asked why Embrace cannot provide wellness coverage in Rhode Island and was told that R.I. law prevents such coverage. I plan on contacting my state legislator, but wonder why Embrace isn't doing anything to address the problem.
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5

out of 5

POSTED: | BY: Mike Laviolette

Embrace is very easy to work with

Embrace is very easy to work with, the website is easy to use and now they have direct deposit so no waiting for reimbursement.
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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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