Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
4

out of 5

POSTED: | BY: Joan Catherine Braun

New rescue pup, same good insurance.

Embrace was an excellent choice years ago when I first signed up my new rescue pup. He's gone now - after 14 great years together. When I registered my new rescue pup, I had the same great experience. I hope I never have to use the accident and illness insurance, but the peace of mind of having it is priceless.
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2

out of 5

POSTED: | BY: Zp

Premiums doubled

This company more than doubled their premiums in a single year. They also apply the “pre-existing condition” to everything because it “could have began before the policy”. They also argued with my vets, citing “expert sources”.
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5

out of 5

POSTED: | BY: MICHAEL

Can't imagine not having Embrace Pet Insurance

I have been with Embrace for years and not once did I think that all was not good. Customer service is the best and the insurance is the best investment a pet owner can make...
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5

out of 5

POSTED: | BY: dobiechick

I never have a problem with this…

I never have a problem with this company. From customer service to submitting claims the process is easy. And that's important to me because I'm more analog than digital so an easy app is awesome. Kudos to the customer service they are always nice and professional!
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5

out of 5

POSTED: | BY: Grandmommy

Embrace Pet Insurance has been a life saver!

Embrace Pet Insurance has been a life saver for our Little Kitty over the past several years. Once a nothing but healthy vibrant Kitty suddenly sick with no warning, which can happen to any family with a Fur Family Member. If not for Embrace we most definitely would not have been able to afford the Life Saving Measures needed for him. We will forever recommend Embrace to anyone with a Fur Baby Family Member. Thank YOU for saving Tiny's life!
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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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