Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Stacie

Embrace is the best around; and we want the best for our dogs!

Well worth the money. After spending $9000 on a beloved pet in the past, we knew we needed insurance for our next rescues. Our current Golden has some anxiety issues that are always covered at 80% (once we reach our selected deductible) and just recently an under active thyroid. Her meds & blood tests are all covered at 80%. It has been wonderful!
5

out of 5

POSTED: | BY: Britanee

Embrace is amazin'

Choosing Embrace was a great choice to give us peace of mind with our dog, Tyson. Their pricing is very fair and they have the best customer service I’ve encountered.
5

out of 5

POSTED: | BY: Barbara

LOVE EMBRACE

You guys are awesome, my two senior pets have been embraced for at least 8 years and we use the wellness rewards all the time. Embrace agents are fabulous and courteous, and handle my claims right away. Will always keep embrace for my darling pets, and any future pets I get.
5

out of 5

POSTED: | BY: Patricia

They are quick with the processing and very pleasant to work with.

They are very good, friendly and quick with the working the claims.
4

out of 5

POSTED: | BY: Margaret

Great customer service and prompt reimbursement

Their customer service team is top notch. Reimbursement is prompt and they are quick to accept responsibility if an error is made. The flexibility of plans available is almost infinite. The only negative thing I can say is that the premium increase is disproportionate to one year of aging and premiums can become extremely high as your pet ages; even keeping the same plan.. One may want to consider what it would cost to put that money aside as opposed to paying out monthly premiums. I'm sure I've paid out more then what I've received in reimbursement. But I started when they were kittens so now it's too late to change. (Of course, I can always change plans/get a cheaper plan - but the reimbursement, BENEFITS/premiums will be less.) Good for when your cat is a kitten up until 5 years old but costs jump dramatically after that.
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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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