Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,895

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: Capt

The best insurance co I ever dealt with polite helpful "Just on the ball " GREAT JOB !!!!!!

They were helpful all the way purchased insurance explained everything in detail. When I filed a claim they were very polite, helpful and concerned about our pet. The claim was processed quickly and paid quickly. I would highly recommend them to anyone who has a pet. THANK YOU !
5

out of 5

POSTED: | BY: Jessica

Very pleased with our Embrace insurance

Great experience with Embrace. Highly recommend.
5

out of 5

POSTED: | BY: Hank

I have always had confidence that my claims would be handled correctly and efficiently!

A great experience
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.
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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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