Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Donna Karasek

Embrace is fair, fast and easy to use

We have been with Embrace for 12 years for our two Standard Poodles. They have been absolutely wonderful - easy to contact, pleasant, fair and timely - could not ask for a better experience.
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5

out of 5

POSTED: | BY: K.P EDGE

Would recommend this insurance for any…

Would recommend this insurance for any pet lovers. Very affordable😁
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5

out of 5

POSTED: | BY: Victoria Silva

Years of excellent coverage

I have had this insurance for several years, including a former pet. I have enjoyed the peace of mind that my dogs have been protected by this insurance. They process the claims in a very timely manner.
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1

out of 5

POSTED: | BY: Chace Snedecor

I had embrace for years

I had embrace for years, I’ve only recently had to start putting in claims, everytime I put in a claim, they would always tell me that I didn’t have the right program selected to be able to get a refund on my claim. While I was talking to the lady about canceling it, I told her that I have coverage for exam fees and medication, she then proceeded to tell me that those were only meant for emergency visits and not normal visits. I just felt like you guys should take care of your long term clients better. I haven’t had a claim in 4 years and you guys denied all 4 of my claims which cost me 1500$ out of pocket
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5

out of 5

POSTED: | BY: Ed

First time submitting a claim

First time submitting a claim. Found process easy to use and complete
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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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