Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Shu Cheah

Reliable and responsive

We've had insurance with Embrace for all our pets (4 of them) for over 10 years. Embrace has taken care of us very well. Claim process is good, customer service is awesome. Highly recommended.
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4

out of 5

POSTED: | BY: SHIRLEY

The agent helped me understand what…

The agent helped me understand what the Dr stated in my claim I am making plans to have my pets teeth cleaned to sufficiently for continue to have the insurance help me in my pet's care
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5

out of 5

POSTED: | BY: mia me

Comfort

Embrace has been an easy company to work with. The process of submitting claims is very easy. I have had quick reimbursement time as well. It's comforting to know there is financial support when an emergency or illness arises!
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1

out of 5

POSTED: | BY: Tim Eversole

Dishonest rep

The gentlemen that call me back was dishonest about the 25 dollar administration fee. He told me it was a fee from state of ky. Which it is not
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4

out of 5

POSTED: | BY: Charles Woods

If I get my refund in a timely fashion…

If I get my refund in a timely fashion it will have been a five star rating.
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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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