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: Cheryl

I love Embrace

The website is so easy to use to submit a claim and track progress. You do not make me jump through hoops to get a claim approved and you are just the greatest!
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5

out of 5

POSTED: | BY: Julie

Submitted our first and…

We have just submitted our first and hopefully last claim on one of our pups, it was very simple to do on my phone.
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5

out of 5

POSTED: | BY: Alan Yamamoto

Embrace website is easy to navigate and…

Embrace website is easy to navigate and the follow-up by representatives is always timely and professional. Will stay with my Embrace policy for years to come!
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1

out of 5

POSTED: | BY: Bereket Tameru

I have been trying to reach out to…

I have been trying to reach out to embrace for months with no success in getting a response. This issue has been going on for over 10 months and NO ONE has tried to help me or even responded. I’m extremely dissatisfied with embraces customer service if one can even call it that. Embrace is taking $70 a month and not doing anything to help me. What am I paying for!?!
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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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