Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Bill Ruggles

Embrace claims are easy to file

Embrace claims are easy to file, and response time is very quick. I will definitely keep an Embrace policy on all my pets!
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5

out of 5

POSTED: | BY: Donna Vizard

Embrace pet insurance was very helpful…

Embrace pet insurance was very helpful to my husband and I, our dog swallowed a small hearing aide battery and she had to have emergency surgery to take it out, our bill at the vet was high but having Embrace was a life saver for us it helped us so much so having the insurance is a plus and they are very helpful with everything
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5

out of 5

POSTED: | BY: Mrs Jones

Love Embrace

Love Embrace, they are there when you need them. Paper check reimbursement can be slow but customer service is excellent.
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3

out of 5

POSTED: | BY: Fran Magee

Not too impressed

I’m not impressed with the handling of anything regarding Embrace. When I need to speak with a customer service representative, I spend ridiculously long amounts of time on hold. Then the people dealing with the claims often seems less than caring or knowledgeable. Not thrilled that I switched to 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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