Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,795

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: Julie P.

Best of the Best, hands down!

Embrace is our 3rd attempt of having pet insurance for our beloved potato, and they have been so easy to work with! In the past 4 years there's been no longwaiting, no hassles, and they even followup with vet and client! So thankful for Embrace!
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5

out of 5

POSTED: | BY: Stephanie Ulrich Reynolds

The ease of submitting a claim was…

The ease of submitting a claim was great.
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5

out of 5

POSTED: | BY: Joe

Customer service is good

Customer service is good, responses are quick and coverage is as promised. I'm very pleased with Embrace and will stick with them. The claims process was painless. I was asked to provide extra evidence and once that was sent everything happened quickly. Would recommend.
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5

out of 5

POSTED: | BY: Zuzu

200% Customer Care & Support

I've had my senior kitty enrolled for a few years. Now that serious health issues have sadly arisen, I have been so relieved that Embrace has done exactly what my policy described. A stressful and difficult period with your sick animal should not be further complicated by worry if your policy will come through... I've been given fast reaction time, clear claims processing, customer care, and direct deposit fund reimbursement. I would rate them 10 stars. I will keep Embrace for any new pets who join our family in the future. I'm a grateful customer and pet parent during a devastating illness.
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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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