Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,774

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: Ali Darrow

I made my first claim with Embrace and…

I made my first claim with Embrace and was impressed with their website, their speed at processing the claim, and response to my questions about filing the claim. they are a first-rate company if you are looking for pet insurance.
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5

out of 5

POSTED: | BY: Sally Smith

They make it easy and quick.

They make it easy and quick,
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5

out of 5

POSTED: | BY: Breanne Bowers

Embrace makes this process so east

Embrace makes this process so east
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1

out of 5

POSTED: | BY: Sery Cybulski

If I could give Embrace ZERO stars

If I could give Embrace ZERO stars, I would. The Claims Adjusters and the Company as a whole does not read nor understand the policy language. They simply seek to copy-and-paste, and deny paying customers VALID claims. For instance, when my puppy hit a birdhouse, Embrace refused payment stating this was an "illness." Any reasonable person without training at this Company could figure out this was an "accident." I abhor this Company and if I could actually get someone on the phone I would have cancelled my policy MONTHS ago. WORST. INSURER. OF. ALL. TIME.
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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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