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: Gretchen

I have been very pleased with the coverage for my dog.

My claims have been quickly reviewed and I know the outcome in a reasonable time. A check, if warranted, is quickly sent. I also enjoy the explanations of the problem and it’s coverage.
5

out of 5

POSTED: | BY: Deb

Prompt reimbursement

Easy and prompt reimbursement. Sometimes have trouble getting through by fax. Allowing vet to bill Embrace directly would be helpful.
5

out of 5

POSTED: | BY: Angela

Embrace Pet Insurance Is the absolute best

I rescued a puppy and got insurance on her. Next day took her to the vet. Embrace has quickly reviewed and approved each claim.
5

out of 5

POSTED: | BY: Debra

Best Pet Insurance

I love having Embrace Insurance for my baby. I've had it since she was 7 months old and it has been a blessing for the few expensive Vet visits we've had.
5

out of 5

POSTED: | BY: Gail

So glad I chose Embrace!

I live in a city and state with high veterinary costs, and have two older dogs. Having Embrace has been hugely helpful in containing the costs of our vet bills. My claims are covered promptly, and their customer service reps have worked with me to find ways to reduce my monthly payments by changing deductibles, automatic payments, etc. I'm really happy with Embrace.
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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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