Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Debra Richards

While Embrace is not the cheapest it is…

While Embrace is not the cheapest it is the most comprehensive coverage. My 10 month old standard poodle was hospitalized with sepsis and Embrace reimbursed me 90% of my 5k vet expenses via direct deposit to my checking account. Easy claims process via the app. Customer service is very good. I just added our new puppy to my Embrace policy as well.
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5

out of 5

POSTED: | BY: Victoria

I’ve had Embrace insurance now for five…

I’ve had Embrace insurance now for five or six years. They’re always quick to respond. There’s always someone to speak with their portal is super easy. I’ve had no problems. I highly recommend them.
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1

out of 5

POSTED: | BY: Gary Barbin

REALLY RAISED MY RATE FOR MAKING A…

REALLY RAISED MY RATE FOR MAKING A CLAIM?WTH?
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2

out of 5

POSTED: | BY: Terrence S.

Embrace focuses more on reasons not to…

Embrace focuses more on reasons not to pay claims than helping customers take care of the health and well being of our pets. I am currently searching for a better pet insurance
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1

out of 5

POSTED: | BY: Jamie McConnell

I have a dog with no issues

I have a dog with no issues. I have never received money from the $500 deductible! Her insurance started out around $400 as a puppy now it is almost $800. It’s BS! I go through USAA and thank god for the discount!
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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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