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.
5

out of 5

POSTED: | BY: Corinne Goellnitz

I put in my first claim to Embrace

I put in my first claim to Embrace. It was easy to submit. They responded very quickly, accepted the claim and sent me a check with 7 business days. I don't think it could have been handled any better.
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5

out of 5

POSTED: | BY: vera

The service is excellent

The service is excellent! Caring, professional and quick to respond to questions and pay a claim. I have this insurance within five years for my cat. I got 80% reimbursed for two hospitalizations and one major surgery.
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5

out of 5

POSTED: | BY: Robert Jones

Thank you for your support

Simply put, our two Yellow Lab 12 year old dogs are our Family and Embrace treats us like Family. Thank you for your support.
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5

out of 5

POSTED: | BY: MaryJo Frechette

Everyone is very helpful.

We straightened out a problem with Abby’s history Everyone I spoke to was so helpful. The turnover for payments is quick. No issues at all.
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5

out of 5

POSTED: | BY: Dawn

Super!

I have had Embrace on all of our pets for years. The company has been wonderful. They cover what they say they will, it's easy to file claims online, and they reimburse promptly.
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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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