Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Sherry

Layla's acupuncture/chiro care has been covered and to date seems to be working very well. Her bronchitis is much improved.

Layla's acupuncture/chiropractic treatments have been covered and to date seem to be very effective. Her bronchitis is much improved. I appreciate the fact that these treatments have been covered by Embrace. I hope that Embrace does not put a limit on them in the future. Much better than giving Layla steroids. Luckily Embrace has not limited such treatments in Connecticut yet. I would encourage the underwriters to not change this.
5

out of 5

POSTED: | BY: Krishna

A+ service

Very happy I chose Embrace. Very helpful and caring and the wellness program is amazing to have. There mthly emails on caring for our pets is very helpful. Very good service
5

out of 5

POSTED: | BY: Rick

If you call your pets "your kids", you have to have Embrace!

I didn't know Embrace covered such a wide variety of claims. I thought only accidents were covered, but they cover illness as well. Thank you Embrace. I thought the premiums were costly, but I've come to find out I'm the one benefitting ( and my cats)☺🐱
5

out of 5

POSTED: | BY: Megan

Excellent company!

Excellent company! Easy to navigate app, quick response from staff, very reliable!
5

out of 5

POSTED: | BY: Shirlane

Embrace is the compassionate insurance company.

The folks at Embrace have always been compassionate, fair and professional in all of our interactions.
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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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