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: J. Allen/Camarillo

"Embrace" this Plan!

Claims process is easy, so fast and the website is intuitive. The plans are priced competitively - even against Costco options. Highly recommend!
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5

out of 5

POSTED: | BY: faasaviliga tafao

Great pet insurance experience

Nothing but positive experiences with submitting a claim and receiving payment. Simple. Quick. Would never have thought pet insurance would be this easy. Wish my medical insurance was this easy. Thanks, Embrace.
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5

out of 5

POSTED: | BY: Raymond Diliberto

Suitable service.

There are many options available that will suit you and your pets needs. Easy to submit claims. Fast turnaround.
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5

out of 5

POSTED: | BY: Doug Buchanan

Always some to talk to

always a pleasure to do deal with regardless who you get on the phone and with an English and 2 French bulldogs we all know how much we are calling, their customer service blows away like of Nationwide and VPI
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4

out of 5

POSTED: | BY: Andre Bonakdar

Updated: $6000 in premiums over 6 years and one…

$6000 in premiums over 6 years and one single payout of $60. The first time there is a need given we were denied coverage. Insurance at its best. Update - after a number of phone calls between the medical center and Embrace - the decision to cover the ACL tear was covered. I’m updating my review not only based on the favorable outcome for our beloved Tutu - but the ability to connect with claim representative who was our point person in the process. That’s a big deal.
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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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