Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
3

out of 5

POSTED: | BY: Richard

Not worth it

Embrace seems good on paper but they will do anything in their power to NOT pay your claim. They don't care about you or your pet, they just care about getting your money.
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5

out of 5

POSTED: | BY: Raben Talvo

Very efficient claims processing so far.

Very efficient claims processing so far.
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5

out of 5

POSTED: | BY: Jacquline Kirkland

Great communication

Great communication, great service. They always answer back in a timely manner.
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5

out of 5

POSTED: | BY: Camilla

Highly Recommend

I’ve had no problems with Embrace at all. I adopted my dog from the humane society not knowing what I was getting other than he has allergies. I knew pet insurance wouldn’t cover the allergies since they’re pre-existing but I got it anyway because I can’t afford emergency surgery or an ACL repair, or any kind of organ failure. It’s a good thing I did! This dog is the best dog I’ve ever had, but he can be a very naughty boy. I’m so happy that Embrace has been so kind, reimbursing me $800 of the $1000 I’ve spent on emergencies in the last 5 months. Highly Recommend!
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5

out of 5

POSTED: | BY: Leslie Armstrong

Embrace was a dependable insurance for…

Embrace was a dependable insurance for my elderly dog Snickers. They were fair in all of my claims and prompt with payment.
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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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