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: MICHAEL WEIR

Get fast answers on claims we have…

Get fast answers on claims we have submitted we have met our deductible so now getting money back for claims we have submited
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5

out of 5

POSTED: | BY: Deborah J. Scaife

Very easy to file a claim

Very easy to file a claim. Very clear and concise. Thanks!
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1

out of 5

POSTED: | BY: Ruben Gonzalez

They were good until they were not

They were good until they were not. Doubled my premium on the renewal and left me hanging. Forced me to start looking for insurance elsewhere. Not a long term partner.
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4

out of 5

POSTED: | BY: Joel Hencken

The only problem I have with Embrace is…

The only problem I have with Embrace is that when my dog turned 8 the premium doubled, and I fear for the future costs. Everything else is exemplary.
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5

out of 5

POSTED: | BY: Consumer

Always there and helpful

The app is very easy and submitting a claim is also extremely easy. Anytime I’ve had a problem with anything, the friendly vet staff are always there to help. I’ve never had a problem. Thanks!! 😁🐈‍⬛
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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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