Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,968

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.
2

out of 5

POSTED: | BY: Linda G

Pet insurance rates skyrocketing

Im so unhappy that pet insurance rates have increased SO much. In this case, is it because Enbrace is now owned by JAB Holding Company. They are the same people buying the last independent vet clinics and driving up those prices. My premium doubled.
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5

out of 5

POSTED: | BY: customer

Great experience

Great experience. Fast. Easy. Simple.
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4

out of 5

POSTED: | BY: Cindy Martin

Ease of submitting claim

Ease of submitting claim
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5

out of 5

POSTED: | BY: Barbara

I called Embrace last week to determine…

I called Embrace last week to determine if the procedure would be covered. The representative was so helpful and kind, and assured us it would be as it is related to previous issues.
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5

out of 5

POSTED: | BY: Pauline Presson

So easy to make a claim

So easy to make a claim. I have been with Embrace for about 4 years. With 3 dogs, I would never be without pet insurance. They have been easy to deal with and have reimbursed according to their guidelines and my level of coverage.
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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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