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.
5

out of 5

POSTED: | BY: Bethany

I’ve had Embrace pet insurance for five years

I’ve had Embrace pet insurance for about 5 years. They have been amazing. Quick reimbursement times and really good customer service. The app for my phone is very user friendly. I am glad I chose them for my pet insurance.
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5

out of 5

POSTED: | BY: Jim Kopf

Quick response to my inquiries

Quick response to my inquiries. Stayed on the phone to make sure my problem was resolved
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5

out of 5

POSTED: | BY: Mary Ann Taylor

I was…

My claim was reviewed and I was reimbursed very quickly.
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4

out of 5

POSTED: | BY: Sandra Hill

It’s a great pet insurance. They will reimburse for things done with proper documentation!!!

I’ve had Embrace Pet Insurance almost a year. They’re pretty good with reimbursements on wellness; however, I’ve not had to use it for a major reimbursement. They’re pretty one draw back I don’t like is the limited amount of reimbursement you can receive on wellness for your pets; which is grooming, regular scheduled checkups, etc. I have the premium package with 90% reimbursement but the wellness part only goes up to $600 per year. With my pet being every six to eight weeks that amount is quickly depleted!!! I think they should increase the wellness reimbursement. The wellness you’re certain you’re use. Medical and/or accidents may or may not happen thru the year when you have a healthy pet. Pay too much for the insurance not to have a more increased wellness amount. Also I think they should reimburse for boarding but they don’t.
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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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