Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Cathy Miller

Highly Recommended - Get Health Evaluation ahead of time

I highly recommend Embrace because they offer a health evaluation ahead of time before signing up. This is huge because you will know ahead of time exactly what WON'T be covered. I have submitted a couple claims and everything got covered except the pre-existing conditions that I already knew wouldn't be covered. Excellent customer service. Forget the others who don't offer evaluations ahead of time and go with Embrace. They are upfront and honest and have excellent customer service.
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5

out of 5

POSTED: | BY: Megan

So easy!

Easy to file a claim and quickly got my payout. Very helpful!
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2

out of 5

POSTED: | BY: Dee Wojt

Go elsewhere

I use to praise them and WAS an ambassador for them. Not anymore!!! They have radically changed. Limit treatments for life long conditions. Change terms mid policy. The app doesn’t work most times. Incredible hold times. Slower claim processing and worst of all the coverage you acquire for your beloved pets really isn’t what you think do to just changing terms. I have a large pet community and now steer then to explore other providers. Don’t entrust your loving pet to Embrace. It breaks my heart to say that but the quality insurance I once had with them has radically changed.
5

out of 5

POSTED: | BY: Marge Kilgore

The best

The very best of service and always helpful
5

out of 5

POSTED: | BY: Emme K

Great

Great, and seamless process! Reimbursed in no time at all! Thanks for making the process run so smoothly.
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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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