Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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.
2

out of 5

POSTED: | BY: Janet Kaiser

It takes too much time to have a claim…

It takes too much time to have a claim reviewed with Embrace. We have Nationwide for our other pet and that always goes so smoothly and quick. We should have just gone with them.
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5

out of 5

POSTED: | BY: Marina Assouline

I am so happy with Embrace

I am so happy with Embrace! They reimbursed all my cat’s illness claims.
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5

out of 5

POSTED: | BY: DIANA PERTUSATI

Embrace is the BEST

Embrace is the BEST. It is so easy to file a claim, and the response time is quick and professional!
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1

out of 5

POSTED: | BY: Jackie

Complete waste of money!!

Very disappointed. I have two very healthy fur kids -Thanks God! Never had any issues, but when the time comes to take them to the vet for a simple annual check-up and then file a claim, right there your problems with this insurance will start. They do not only will take lots of time to process the claim, but they will find any way to DENY IT! They are useless to say something! Only thing they are good for is to take your money. You certainly cannot count on this insurance company to get any reimbursement.! They made me regret to ever wanted to have insurance for my cats.
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5

out of 5

POSTED: | BY: Steve Aliperta

Easy to use

Easy to use, great mobile UI
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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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