Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Lesley Debrier

Simply the best insurance-fast repayments

I did A LOT of research and Embrace is the highest quality pet insurance out there, seriously. They cover more than some other plans, and they are very clear about coverage, no surprises. I can submit a claim online in about 60 seconds and they drop the funds straight into my account, often 1-2 days later. I was shocked at how easy it was.
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5

out of 5

POSTED: | BY: Steve Stone

Easy to Work With

Great customer service. Great turnaround on claims. Love that they let you claim grooming services
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1

out of 5

POSTED: | BY: sandy mcbethtuitt

Let God

Insurance rates increasing next month an extra 40.00. The healthy Pet seems to be pointless because we are grouped in with all the what if? I canceled Insurance and will use Carecredit card for backup. I switched from ASPCA pet insurance to Embrace a year ago because of high premium plus deductible! Im leaving my dog's care ❤ in God's blessings hands smiling 🤗. I have had pet insurance for years never received much in return because I'm a great pet parent. Good luck to those that can afford the what if syndrome with a healthy pet.
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5

out of 5

POSTED: | BY: Daniel Burstiner

My only gripe is the cost

My only gripe is the cost. As your pet ages, the cost skyrockets. I have two senior dogs. Claims are frequent. Claims process is simple, online. Claims processed fast and have never had an issue with coverage.
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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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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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