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: Andrea

Embrace equals peace of mind…

I have been with Embrace for many years with many dogs. Mostly multiple dogs at once. I've tried other pet insurances but none could come even close to Embrace. The process claims so quickly and are there when I need them. Tailor the policy to suit your budget makes it affordable. I love Embrace. Never and issue. Its so comforting knowing they are there and I can help my dogs when they need it.
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5

out of 5

POSTED: | BY: LYNN MOMBOISSE

Thank you so much for your timely…

Thank you so much for your timely payout. We so appreciate this.
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4

out of 5

POSTED: | BY: Linda Berdayes

Embrace was responsive and did a fair…

Embrace was responsive and did a fair evaluation of a claim I submitted.
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5

out of 5

POSTED: | BY: Barbara

Good all around

Very easy to submit claims. They tell you up front what won't be covered; they pay immediately and without quibbling for things that are not excluded. The cost went up after a year, but not much, and I'd had a number of claims in my pup's first year.
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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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