Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Amy

Embrace has been there when I needed them!

I've had my policy with Embrace for over 12 years and had not really had many claims until the last couple of years. My baby is being treated for cancerous growths and they provide excellent coverage and process all of my claims promptly. I highly recommend them!
5

out of 5

POSTED: | BY: Warren

Georgina has had Embrace for 14 years

I purchased Embrace for our cat in 2007. She was a light user at the beginning but now that she is older, we have made more claims. All the claims were paid within 2 weeks. Embrace is one of the reasons she has reached 15 because we use the Wellnes benefit to catch pending problems.
5

out of 5

POSTED: | BY: Judy

Wonderful supportive company

Embrace has excellent personnel Very prompt service
4

out of 5

POSTED: | BY: Sue

Pretty quick turn around time for processing claims

Although the premium has increased each year, we have had Embrace pet insurance on our bernese mountain dog for 9 years! It’s been great!
5

out of 5

POSTED: | BY: Caroline

Very responsive, excellent company!

They were very responsive and always very kind!
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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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