Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Alida

Terrific coverage and great customer service

I’ve had a great experience with Embrace! They covered diagnostic testing for Makenna when she had a heart murmur shortly after we adopted her. Since she’s recently been diagnosed with Cushings Disease the coverage has truly been fantastic. This is a disease with expensive diagnostic testing, expensive maintenance drugs and it’s a chronic disease that will be with us as long as Makenna is. We just are so grateful for Embrace and the peace of mind it provides. We tell everyone about Embrace!!!
5

out of 5

POSTED: | BY: Patricia

Get the insurance

I was skeptical at first and have paid for years and was so happy when I received reimbursement for vet expenses under an emergency. The initial claim process I thought was confusing but we worked it out. Thank you
1

out of 5

POSTED: | BY: Joy

Poor coverage

The only good thing I can say is that Embrace communicates well. What they communicate, though, is the many ways your claims are excluded from payment. Not worth the monthly payment!
5

out of 5

POSTED: | BY: Michael

Good & fair service

Good & fair quick response
5

out of 5

POSTED: | BY: Lori

Quick claim approval

I have had insurance for my male Labrador Retriever since 2016 and recently filed claims for hospitalizations. The claims were quickly approved after review and checks issued in a timely manner.
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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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