Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Angela Herman

Embrace is easy to work with

Embrace is easy to work with. Uploading claims is quick and easy and the company responds in a timely manner. The website is simple and easy to navigate too. I am very pleased with Embrace and I'm so glad I got coverage for my young dog Ella.
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5

out of 5

POSTED: | BY: Tory Boettcher

soooooo easy to submit a claim

soooooo easy to submit a claim
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5

out of 5

POSTED: | BY: Michael

Customer for years

Dog needed stitches, submitting claim was easy and fast
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5

out of 5

POSTED: | BY: P Morgan

I called to cancel the pet insurance on…

I called to cancel the pet insurance on my GSD who had passed away suddenly. My GSD never used the insurance, but I was pleased with the updates and the ease of paying the bill each month. Will recommend to other pet owners.
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4

out of 5

POSTED: | BY: Richard Ruderman

Snakebite

Unfortunately, my dog Enzo was bitten by a rattlesnake mid-June. Even though I needed to resubmit some receipts and follow-up multiple times with phone calls, Embrace did pay claims submitted. Their reps were pleasant and knowledgeable. I recommend Embrace!
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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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