Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

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: Joan Sitler Welte

12 year customer

I have had Embrace Pet Insurance for approximately 12 years. I just cancelled the policy because my dogs are now 12-13 years old (approximately in age due to they were both rescues), and the price is just too much for senior citizens to afford. My dogs have lived a wonderful life with us, one that they never would had they not been rescued by a loving family. I had to cancel the insurance because I could no longer afford the accident and wellness policy for two older dogs.
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5

out of 5

POSTED: | BY: Jenni Jaimez

Great Customer service

The rep who helped me was extremely patient and kind. Got me to a place where my coverage is exactly what I needed and reasonably priced.
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5

out of 5

POSTED: | BY: Melanie Bland

My 11 yo needed surgery

My 11 yo needed surgery. Embrace reimbursed me 90% of this over $5500 bill. I had no problems with the process. Love this company!
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5

out of 5

POSTED: | BY: Robert Workman

Making the best of a situation

I was pleased with the customer service on the phone, and happy to confirm my coverage, pending the actual treatment for my pet. Your representative was courteous, professional, and thorough, answering all my questions.
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4

out of 5

POSTED: | BY: Kristen Roy

The claims do take time to process.

The service reps were helpful once they answered.I wish there were more updates on the status.
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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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