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.
1

out of 5

POSTED: | BY: Kathleen Cornetta

This company penalizes loyal customers

This company penalizes loyal customers. Do not insure with them. After 10 years with them they jacked up my rates from 100 a month to over 200 a month because I have been with the company for this long. Not a trustworthy business.
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5

out of 5

VETERINARIAN: Nippers Corner Pet Medical Center

POSTED: | BY: Laurie

Best Insurance

I have had Embrace pet insurance since 2017 on several different pets. Some have passed away and some have been replaced but Embrace has been a saving grace for me and has allowed me to give me babies the best care possible
5

out of 5

POSTED: | BY: J. Lynn

Peace of Mind with Embrace

I've had my Shih Tzu covered for about 4 years now. She's needed emergency life saving surgery and has a disease that requires medication. Embrace has been there for me through it all. The claims are paid quickly and according to my policy. I have peace of mind with Embrace.
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4

out of 5

POSTED: | BY: Dave Eberhart

I am giving them 4 stars because of the…

I am giving them 4 stars because of the positive interactions I’ve had. However, like all insurance, they will determine what they feel is a reimbursable claim and you need to know your policy well. The policies vary in what is and isn’t covered.
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5

out of 5

POSTED: | BY: Heather B

Great insurance…

In the very beginning I had issues getting reimbursed but that was years ago, since they revamped their submission experience, it's very easy and quick to get reimbursed. I have yet to have a problem. I'm very thankful for this insurance.
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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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