Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,979

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: Liss

Embrace has been wonderful for me!

Embrace has been wonderful for me and my dog. Submitting claims is easy; payment is prompt; coverage is good. I recently canceled a part of the program I don’t need anymore, and was treated courteously and promptly. The remainder of the program I have is important to me to keep in case of a true emergency.
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1

out of 5

POSTED: | BY: Maria Mendoza

My rate went up after a year

My rate went up after a year. Not worth it imo. There are better rates out there.
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5

out of 5

POSTED: | BY: Mark Cole

Easy to use website and app!!

I've been with Embrace for 5 years now for my boy (dog) Jameson and my other boy (cat) BB. Super easy to submit claims on their app and website. They're very fast to get through the claims and to respond with any questions. Will continue to use Embrace for new furkids!!
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5

out of 5

POSTED: | BY: Diana

I have been with Embrace for 5 years…

I have been with Embrace for 5 years and never used my insurance until recently. My little dog became very sick and had to be admitted to the vet hospital. I admit I didn't know how my insurance would work, especially as the bill was in the thousands of dollars. I can tell you today that Embrace just sent me all the money I spent minus my deductible and co-pay. My dog will need to have more care in his recovery and I don't have to stress about finances and I can focus on helping him recover.
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5

out of 5

POSTED: | BY: Susan Boyles

I’ve always been happy with the ease of…

I’ve always been happy with the ease of submitting claims and their customer service! So glad I got their insurance!
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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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