Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: John Ferdon

We have had embrace more than a year

We have had embrace more than a year. We have been impressed with the timeliness and helpfulness in all of our contacts, including claims. The personnel have been very courteous and have always given us proper guidance. Stongly recommend.
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1

out of 5

POSTED: | BY: Kathleen Walsh

I am very disappointed to learn that…

I am very disappointed to learn that the allergy treatment for my dog is not covered. The medication alone was $375.00 the first time and $200 the second time. The dog is miserable without the treatment and yet embrace does not even cover the prescription.
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5

out of 5

POSTED: | BY: lyn jeffrey

Always friendly & quick to answer…

Always friendly & quick to answer questions
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5

out of 5

POSTED: | BY: Jean Harrell

They have always completed claims with…

They have always completed claims with speed.
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5

out of 5

POSTED: | BY: Deborah O’Grady

Claims are easy to do and payments are…

Claims are easy to do and payments are usually pretty quick.
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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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