Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Barbara VerHaar

Very happy with Embrace!

I have always had a very good experience with Embrace. I especially like that they email me when a claim is received. They are always prompt in their reviews and reimbursements? Customer service has always been attentive to questions.
5

out of 5

POSTED: | BY: Marji Bayers

Efficient and kind treatment at a time of real stress

My dog was recently and quite suddenly diagnosed with Stage 4 cancer. The diagnostic charges alone were about $1,700. My claim was processed within a week and I only had to pay $270 of the total charge. One of the Embrace staff also immediately answered my inquiry about coverage for in-home hospice care. We have been Embrace members for over 7 years and have always had a great, caring experience.
5

out of 5

POSTED: | BY: Don

Love embrace

Embrace pet insurance is the best .keep up the great work you do for us pet owners.
5

out of 5

POSTED: | BY: Ethel Savell

Always great, encouraging service at Embrace!

Time after time I am so glad I selected Embrace as my pet insurance for my beloved Maltese. She has gone through a lot lately and Embrace has been there to guide and encourage me through a difficult emotional and financial time.
5

out of 5

POSTED: | BY: Catherine Archuleta

Very easy claim process

Embrace has a very easy claim process. I do wish they had direct deposit.
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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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