Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Brenda Klockenga

Having Embrace Insurance Helped Me Save My Standard Poodle's Life

As our Standard Poodle aged, we were concerned that he was vulnerable to an injury such as an ACL tear that could be a significant cost. He was in good health. After reviewing pet insurance, we chose Embrace due to (1) cost (2) the ability to waive an orthopedic waiting period and (3) customization of coverage. Just over a year after purchasing our policy, Axel became very ill with pneumonia (unexpected). There were multiple ER visits and a continuing recovering period to regain weight. We have the peace of mind that we could provide the medically necessary care that Axel has needed to recover knowing that our expenses would be covered according to our coverage. I highly recommend pet insurance, and my vet concurs that Embrace has been a great company to work with.
5

out of 5

POSTED: | BY: Marilyn Anderman

Extremely helpful with geat follow up.

I have had excellent service from Embrace. They were very helpful when explaining what they could offer, patiently answering all my questions. They have been very fair in processing the claims I have sent. They are also very good about follow up regarding the status of claims.
5

out of 5

POSTED: | BY: Heather

Great Insurance

Great coverage, easy online claim submittal and fast direct deposit. Couldn’t ask for anything better!
5

out of 5

POSTED: | BY: Lourdes Perez

Embrace has helped me alot

I really like embrace pet insurance and would recommend them
5

out of 5

POSTED: | BY: Beth Brock

Happy I have Embrace!

Filing the claim through the app is easy. I get quick feedback and my refund is done quickly.
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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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