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: Nicole

Lifesaving and helpful! Embrace is there and give you comfort when you need them.

Puppies get into trouble and big puppies get into bigger trouble. Having the security that if anything happens I have help is so Wonderful !!! I will remain a customer forever! Thank you so much!!!!!!
3

out of 5

POSTED: | BY: P

Prompt Processing, but doesn't cover much - unsure whether I will continue with this insurance

I like the online submission feature and the promptness of the processing. However, I have found this insurance covers very little and I am not confident I am getting my money's worth for the premiums I am paying. It is of dubious value and I probably won't renew.
5

out of 5

POSTED: | BY: Owen

Very efficient claim service

The claim representatives are very nice caring and when they advise you they have Uploaded something are done it it's done
5

out of 5

POSTED: | BY: Lisa

Peace of mind

I just lost my sweet dog after a long fight with cancer. The fact that I had insured Brandy with Embrace meant that I could afford surgery and the medications to keep her mostly healthy and happy for an additional two years. I am so grateful for all of those good days, extra days to my mind, that Embrace afforded us. And their customer service skills are top notch!
5

out of 5

POSTED: | BY: Cindy

Fast, efficient and I'm satisfied

My young Aussie developed a horrible eye infection causing her eye and lid to swell quite a bit. Not knowing exactly what they were dealing with, it took a few visits to the vets before they got it under control. After her deductible, everything was covered to the penny and the process was efficient and professional.
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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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