Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: June

Highly recommended

I couldn't be more satisfied with my experience! The customer service team went above and beyond to ensure all my needs were met promptly and professionally.
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5

out of 5

POSTED: | BY: Rellie

I have always had great service with…

I have always had great service with embrace . Its so nice to not worry about big vet bills !
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5

out of 5

POSTED: | BY: Tamara Bernardin

Filing a claim is quick and easy

The process is very easy and straightforward. It does not require anything other that the date of service and provides a list of reasons for the visit. The process is easily managed. Directions are clear and simple.
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5

out of 5

POSTED: | BY: Lindsey Thomas

Getting this Insurance was the best Decision!

Getting this Insurance was the best decision! It puts my mind at ease wondering "does he actually need to see a vet for this or should I wait a few days?" because you know you have a set out-of-pocket max with Embrace! I ended up also signing up for the wellness plan along with the accidental/injury plan because this seems cheaper than the plans they had at my vet for things like nail trims and vaccines. Very happy with this insurance for my Australian Cattle Dog!
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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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