Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,896

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: Renee

Happy I switched to Embrace!

I am very happy that I decided to switch to Embrace. I feel that the customer service is exceptional and they respond promptly to any questions you have. Claims are also handled in a timely manner. I also like what they offer through their Wellness Reward program.
5

out of 5

POSTED: | BY: Donna

How grateful I am to have this insurance

I am grateful I have this insurance.They pay out in a reasonable time frame and everything is online, they have paid all my claims which I am so very thankful! I have a dog with IMHA.
5

out of 5

POSTED: | BY: rosemary

great customer service and claim reimbursement

I have been with Embrace for several years and have always found them to be helpful and responsive to claims and wellness checks.. I had 2 dogs go through chemo without insurance and learned the hard way insurance can help keep you in control and not devastate your finances. You have the option of wellness plus illness or just illness. You select the deductible. Claims have always been timely and feedback is quick. you can email the claims or mail the claims very convenient. They are helpful and I wouldn't be without insurance knowing the expenses I ran into. They have a great service.
5

out of 5

POSTED: | BY: Mary

Great response as always

My cat's recent claims were handled very promptly and efficiently as always. The same is true for my dog's claims.
5

out of 5

POSTED: | BY: Zoe

Great Service, friendly representatives

I always recommend Embrace to everyone
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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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