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.
5

out of 5

POSTED: | BY: Ellen Blodgett

The agent was most helpful and resolved…

The agent was most helpful and resolved the problem within minutes ! I am in the second year of them for my dog . They are very easy to work with!
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4

out of 5

POSTED: | BY: Owen Laracuente

Claim took a little longer than usual

Claim took a little longer than usual
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5

out of 5

POSTED: | BY: Lisa

I've never had such a smooth experience…

I've never had such a smooth experience with an insurance company. It costs a bit more to insure my pet here, but they've covered every applicable claim without an issue. My pet is better cared for because I don't have to worry about costs, which is the point really. Highly recommend
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4

out of 5

POSTED: | BY: Stefan B.

Very simple and easy to use website for…

Very simple and easy to use website for information and claims. Customer service is responsive and was very helpful.
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5

out of 5

POSTED: | BY: Mozzer

Fast response

Fast response, detailed explanation of benefits, friendly service, reimbursement arrived via direct deposit. I feel very good about my monthly insurance payments because I know that Embrace will be there when vet bills come up for a senior kitty.
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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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