Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,859

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: Alan Yamamoto

The Best, Quality Pet Coverage!

I've been with with Embrace for more almost two decades and NEVER BEEN DISAPPOINTED with high quality pet insurance, coverage and speed in reimbursing for covered services. Outstanding company with the BEST representatives! Thank you and Blessings from me and all my pets. Alan
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5

out of 5

POSTED: | BY: Stephanie

Embrace is the best!!

So glad we got Embrace insurance for our labrador puppy! After an overnight at the ER and a very expensive bill, we submitted our claim which could not have been easier to do. Embrace worked directly with the vet to get all of the necessary paperwork. We received our reimbursement check about 10 days after the incident. We highly recommend Embrace - every pet should have pet insurance
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1

out of 5

POSTED: | BY: Sanjeev Rai

Very poor

Very poor I have had insurance for almost a year and still struggling to get paid for my dog’s first claim
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5

out of 5

POSTED: | BY: Rachel H

Very grateful for this insurance!

Embrace answered my call and I was able to speak with a friendly CSR within 3 minutes. They gave me the info I needed very quickly. My claims were paid out within 3 weeks, which is not super fast, but they did it with minimal effort on my end so that was nice.
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2

out of 5

POSTED: | BY: kadventure kadventure

Slow to pay/approve claims without…

Slow to pay/approve claims without providing an acceptable reason for doing so.
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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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