Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Shawn

Pet Insurance is a must nowadays, and Embrace is the insurance to use!

The Embrace team has really been spectacular to work with. Our vet team can file the claim for us right after our visit. Most of the time it goes in smoothly, I get an email with the status update, and then a few days later the reimbursement check. It simply could not be easier to use our coverage. With the extreme costs of healthcare for pets now, I would encourage every pet owner to get insurance. There may be years you don’t use it to its fullest, but it is there when you do need it - and the Embrace team is the best support!
1

out of 5

POSTED: | BY: Michael

What good is insurance if you don’t cover anything

This company minimizes what it pays out for surgeries to the point where it’s covered under the deductible so they don’t have to pay anything. Waste of money.
5

out of 5

POSTED: | BY: Delane

I'm impressed!!

I'm very happy with the choice of Insurance and reimbursements for wellness services.
5

out of 5

POSTED: | BY: Steve

Great customer service

Anytime we have to call customer service they are always very easy to talk with and explain things very clearly. We are very happy we made the switch to Embrace.
5

out of 5

POSTED: | BY: Yael

BEST PET INSURANCE

I have had pet insurance with 2 different companies before Embrace and I'm happy to say Embrace is the best. A couple medical conditions my dog had which I thought would be excluded, were covered by Embrace. Claims service and payment is easy, fast and excellent. I find the monthly insurance premium very reasonable for all the coverages I get. I would not switch to another company. Highly recommend Embrace.
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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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