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: Camilla

Such A Great Insurance

The insurance that I have covers for my dog’s physical exam and shots as well. At first it was hard for me to understand how a pet insurance works because I am a first time pet owner but the customer service that they have here are wonderful. Every time I had a question or concerns they would answer back in full detail and it helped me a lot to learn how everything works. I would recommend this insurance to my friends!
5

out of 5

POSTED: | BY: Gordon

Great company

Claims are handled very timely
5

out of 5

POSTED: | BY: Steve

You can’t get a better insurance company

Lucy has had cancer 3 different times. Two needed surgery, the other needed long term chemo. Her policy covered her surgery and treatments. The claim process was easy and the staff at Embrace are very helpful. Lucy recommends Embrace big times. They help save her life 3 times
5

out of 5

POSTED: | BY: Cora

Kind people great service

Recommend this insurance. They encourage healthy care and cover it.
5

out of 5

POSTED: | BY: Elizabeth

Will work with you

I have been with embrace for less than a year and I can say that I am pleasantly surprised. When I had an issue with a claim I was able to get in touch with a rep and was offered help to get my claim covered. Very happy with my insurance choice.
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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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