Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
4

out of 5

POSTED: | BY: penelope

I was surprised they didn't cover a broken tooth extraction

I don't have the insurance that covers monthly visits, just mainly emergency and medical conditions. My dog broke his tooth and it needed extraction as well as having a lump removed and biopsied. They only covered the lump removal part. Out of $1300 they covered $300. It was surprising because they have been good in the past.
5

out of 5

POSTED: | BY: Peter

Helpful and no arguments

Embrace has helped me twice, once when she was a puppy and now that she is about 7 years old. No arguments, just a review and a helpful hand from their representative, Many Thanks
5

out of 5

POSTED: | BY: Cindy

What a relief!

It is a huge relief that I can have life saving services done for my Aussie, Ty, without worrying about how to pay for it. His prognosis following surgery is good and I am looking forward to many more years of fun with him! I am so thankful to have Embrace insurance.
5

out of 5

POSTED: | BY: mary

customer service is great!

customer service is always friendly, knowledgeable & prompt, my insurance should be so easy!
5

out of 5

POSTED: | BY: Stephanie

Outstanding Customer Service.

There was some confusion regarding a couple of claims. I spoke with a rep who was extremely friendly, kind, thoughtful, and professional. She handled everything graciously and put me at ease. One claim has already been resolved and I feel confident that the other will as well. It's a comfort to know that we have no worries with our Embrace Insurance and can completely focus on our sweet little Maddie's care. Thank you! You're the best....
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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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