Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Jessica LaRusso

Fantastic company!

Honestly, I couldn't find anything to complain about if I tried. Their customer service is always super friendly. They process claims quickly and have been very easy to work with. I switched over from Nationwide a couple years ago who I had used for many years prior and thought they couldn't be beat. I was wrong! Embrace had way better pricing and equally good service, if not better. If you're thinking of signing up, just do it! You won't regret it.
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5

out of 5

POSTED: | BY: Colleen Darrell

Customer service as it should be.

Was provided timely, clear and pertinent information to answer my questions. Person was polite and spoke English.
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5

out of 5

POSTED: | BY: Megan Neels

It is so easy to upload invoices

It is so easy to upload invoices. I also love having my pet profiles with their pictures and information.
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5

out of 5

POSTED: | BY: Pam Backofen

Embrace just makes everything easy and…

Embrace just makes everything easy and makes sense! You have health insurance on yourself, why not your pets? They have saved us literally thousands of dollars over the years! I highly recommend Embrace to all pet owners.
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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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