Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: Joann Colgan

I have had this insurance for 2 years…

I have had this insurance for 2 years and thank god did not have to use it that much and was very disappointed that the rates increased drastically to make me search for a different company. Much more expensive than most
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3

out of 5

POSTED: | BY: Lucia Bartoli

Increase in rate very disappointing

The increase in price was advised to me yesterday. When inflation is overwhelming us (gas & food), this added hardship was hard to take. So I had to reduce annual amount, increase deductible, remove Rx coverage. I’m keeping it for now, but shopping the competition to see if there’s something else I might consider.
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5

out of 5

POSTED: | BY: Frances

It has been a great experience with…

It has been a great experience with Embrace. They are prompt, helpful and fulfill the terms of the insurance contract. After having so many problems with other pet insurance companies, I finally found Embrace. Very happy with them.
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5

out of 5

POSTED: | BY: Alex

Great peace of mind for your fur babies!

Every experience I’ve had with embrace has been a great one. I enjoy choosing how much coverage I can choose to fit our needs. We have two dogs insured through them. The policy itself is fair and well worth the peace of mind it entails. The coverage is excellent. We live in a semi rural area, so being able to chose the vet we need for emergency services is an absolute win for both dogs. Whether it be the primary care vet or an emergency vet, embrace has your back through both and whichever vet you choose. The initial medical records review process can be tedious, but well worth it. Highly recommend to anyone who needs a little extra peace of mind for your fur babies especially in a rural area. Love it. 10/10 recommend.
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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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