Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,305

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: Kelly Hosste

Quick, Easy, Attentive

Customer service is easy to reach and can always help me. They are quick to review and reimburse claims. I have been really pleased with the coverage and service for my pets since we have had Embrace the past 7 years.
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5

out of 5

POSTED: | BY: Ellen Friedmann

I talked to two people

I talked to two people. The second called me to see what they could do to make the policy work for me. We were on the phone for an hour before we could find a solution. It was amazing customer service.
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5

out of 5

POSTED: | BY: celeste ferendo

As always I appreciate EMBRACE

As always I appreciate EMBRACE. A real human answers the phone!!!! AND called me! When does THAT happen anymore. Also It is easy to file a claim. No hidden small print. What’s covered is clear. In the past I have received fair and prompt reimbursement. I hope they never change their way of doing business.
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5

out of 5

POSTED: | BY: Kim Lehnhoff

Recommend Embrace for coverage

Have only had coverage for 4 cats for about 6 months now, but I am very pleased with their customer service. Filing of claims has been exceptionally easy. I highly recommend getting coverage with Embrace.
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5

out of 5

POSTED: | BY: Judy Lewis

This was easy and took only a few…

This was easy and took only a few mintues.
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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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