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: Jessica de la Chapelle

Easy to submit claims, quick refund

Easy to submit claims, quick refund. Makes it easy for me to take my dog to the vet without worrying. Also helps with wellness purchases like supplements, grooming, vaccines, etc. Definitely recommend.
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4

out of 5

POSTED: | BY: Jim Bakarich

customer support team was very pleasant…

customer support team was very pleasant and kind
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5

out of 5

POSTED: | BY: Mary Martha B

Fantastic customer service!

Fantastic customer service!
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5

out of 5

POSTED: | BY: ostern

Quick. EASY. Efficient

Easy to file a claim and they are quick with reimbursement. I have one dog that is seldom sick, but my little guy is basically a lemon. I love him to death but enough dude!!! LOL. So grateful for Embrace. I recommend them frequently
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5

out of 5

POSTED: | BY: LC

Pretty Great

Embrace is easy to use, and I don't feel like they give you a hard time about things as long as you are honest and fill out everything completely and in detail. It's expensive, but that's just part of having a pet.
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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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