Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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.
3

out of 5

POSTED: | BY: courtney zani

Not worth the money

Spent almost $90 per month for a year, never used it and then they raised my rate to $120, so I canceled. THEN they told me they had a special rate at $14/month for major incidents only (which is all I really wanted anyway). Not impressed
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5

out of 5

POSTED: | BY: Jodie Wright

I had a lot of questions about my…

I had a lot of questions about my policy and they were all answered. Great Customer Service
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5

out of 5

POSTED: | BY: Beth Donnawell Aiken

Fast and easy

Embrace is so easy and after submitting claims, reimbursement is fast. I have used them for years now and highly recomend!!
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5

out of 5

POSTED: | BY: Joyce Gaswirth Ronis

They reembursed my invoice very…

They reembursed my invoice very quickly. They are great to deal with.
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5

out of 5

POSTED: | BY: Jenn

Quick reimbursement

First claim was made, and the response and reimbursement was so quick!
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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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