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: Erin

So far so good

So far so good. I switched from another company to Embrace. They’ve been responsive to my questions and they review and process claims fairly fast. I just got reimbursed for a big vet bill and it was more than I expected. The refund was deposited faster than expected as well. I wish they could pay up front like the other company I was with, but other than that, no complaints. Love them so far.
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5

out of 5

POSTED: | BY: Laura Santos

I truly appreciate that Embrace Pet…

I truly appreciate that Embrace Pet Insurance has always been very helpful and take time to answer my questions.
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5

out of 5

POSTED: | BY: Helen Walsh

Marlee was so happy and helpful with my…

Marlee was so happy and helpful with my claim.
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5

out of 5

POSTED: | BY: John Petrick

My experiences with Embrace have all been superb.

My experiences with Embrace have all been very impressive. Their on line claims submission process is quick and efficient. And every representative I have dealt with has been extremely knowledgeable and helpful. Could not ask for better pet insurance.
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5

out of 5

POSTED: | BY: DAVID P.

I am again blown away

I am again blown away. Embrace is on top of their game. Very reasonable rate and extremely helpful when making a claim. I have experienced very short waits on the phone when I found it necessary to get help in straightening out my mistakes on the computer. could not be more pleased.
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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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