Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Samantha Sokolowski

Great customer service

The embrace team was helpful and polite every phone call I made to them. I appreciate the quick communication from them and always keeping me updated throughout my claims process!
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5

out of 5

POSTED: | BY: Floyd Noel

Had several claims quick response

Had several claims quick response. Embrace seems to care about Gunny, no argument about paying for needed care
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5

out of 5

POSTED: | BY: George Selekman

Easy to use every time for almost 11…

Easy to use every time for almost 11 years.
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5

out of 5

POSTED: | BY: Mel Hamilton

They’ve been reliable

They’ve been reliable, fast, and compassionate every time I’ve needed them. Filing claims is simple, reimbursements come quickly, and their team truly cares about pets and owners. I feel completely supported and confident knowing my dog is protected with Embrace. Highly recommend! 🐾
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5

out of 5

POSTED: | BY: Joel

Easy claims process

Easy claims process, good customer service.
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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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