Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Linda LOY

Embrace

Embrace was always readily accessible and easy to use and the experience was totally worth the price. The people I interacted with were always friendly, caring, and supportive.
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5

out of 5

POSTED: | BY: Liz

Absolutely the best pet insurance

Absolutely the best pet insurance. Luckily haven't needed for many, many years, and now that my 8 year old has issues, they are here for me. No questions, just proper receipts. Great communication and follow up.
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5

out of 5

POSTED: | BY: Dawna Covert

This company has really impressed me

This company has really impressed me, super fast turn around with claims. So happy with them!
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5

out of 5

POSTED: | BY: Joan Krantz

Easy to work with .

Embrace has always been prompt in reimbursement. Also, the team listens to rationale about why one of my dogs needs to receive chiropractic treatments to avoid an invasive back surgery.
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4

out of 5

POSTED: | BY: Ron Massey

I think the job of most insurance…

I think the job of most insurance companies is to not pay claims. I get it, got to make money. I’ve probably during my life paid a million dollars to insurance companies. I’ve received little in return. However, my first impression of Embrace is that they will be there when I need them.
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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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