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: Jayne

Claims were processed efficiently

Claims were processed efficiently. Great communication between Embrace and rendering providers. I felt like someone was handling my pet’s claims personally.
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1

out of 5

POSTED: | BY: Missy Duggan

I would not recommend this insurance .

I would not recommend this insurance .
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5

out of 5

POSTED: | BY: Joan Sitler Welte

Longtime Embrace Customer

I have had 2 rescue dogs ensured with Embrace, and they are both almost 14 years old. I will admit that as they get older, the price gets steeper per month, but vet bills are NOT CHEAP. I have had Embrace for over 25 years with other dogs I had, and I have not been disappointed.
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5

out of 5

POSTED: | BY: Carrie'lyn Poole

Very quick response to my claims and…

Very quick response to my claims and super nice to deal with.
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5

out of 5

POSTED: | BY: Mosheh Wolf

Timely and straightforward response and refund

The response took a reasonable amount if time, they provided clear explanations for what was covered and why as well as what wasn't covered and why not. Refund also issues in reasonable amount of time. I wish that human medical insurance worked like this.
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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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