Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: Steven Wilson

recommend you consider embrace

after detailed review of 4 of the top-rated companies in the field, i selected embrace for 4 primary reasons: 1. recommended by USAA (who also gives me a military discount) 2. good value for good coverage 3. average annual premium increase of 3% 4. outstanding customer service
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1

out of 5

POSTED: | BY: Thomas Dealy

It took an extremely long time to…

It took an extremely long time to approve my claim I also feel that when purchasing insurance that there should not be a limit of coverage as we pay our premiums and that is what insurance is for is to protect us from the unexpecred
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1

out of 5

POSTED: | BY: Summer Shore

Its the worst and I mean the worst Pet…

Its the worst and I mean the worst Pet Insurance ever I would never tell anyone I know to take your insurance for your Pets.
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5

out of 5

POSTED: | BY: Alan Sugarman

Fantastic service

Fantastic service. We had an issue with our dog and the insurance covered almost the whole cost. We highly recommend them.
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5

out of 5

POSTED: | BY: Amanda

User friendly, great customer and pet care

They have helped us numerous times. Submitting claims is super easy, and they respond immediately. Our claims have never been denied, and payment is quick. I wish they would insure my whole family!
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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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