Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Gail Hefley

I've been very happy with Embrace

I've been very happy with Embrace. They covered everything as outlined in their policy. We have three dogs insured with them.
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5

out of 5

POSTED: | BY: Cindy Martin

Excellent Service

Not only were my claims processed quickly but your customer service is exceptional.
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3

out of 5

POSTED: | BY: Steven Fullerton

Did not like clarity on Consultation…

Did not like clarity on Consultation Visit. Pre Existing Conditions are still unknown at this Moment.
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2

out of 5

POSTED: | BY: Adam Reiter

Premium doubled

Almost doubled our premium and we’ve had zero claims. Our dog is almost 5 and we started her insurance within a few months of getting her. There are better options out there and I’d recommend comparing them prior to getting Embrace.
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5

out of 5

POSTED: | BY: M. Auer

Very happy with Embrace

Embrace reps are quick and responsive. My claims were processed overnight and reimbursement paid within a few days. My corgi broke her leg so I was super thankful for having pet insurance. And when my own dog needed documents, they were very specific and timely on what I needed. Very happy with Embrace.
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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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