Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,916

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: Richard

Part of your family!!

The entire Embrace family really know what a family goes through when their pet is sick. They stand by you all the way and are there for your family in times of need. Embrace has been an answer to many prayers this year and we are grateful for everyone there. Thanks again everyone at Embrace!!
5

out of 5

POSTED: | BY: marcia

great service

Always hope everything is going good with your insurance.
5

out of 5

POSTED: | BY: Beth

Great insurance

Embrace covered my claim quickly and exactly as they say. Questions get answered right away, and the staff is very helpful.
1

out of 5

POSTED: | BY: Darkene

Rip off

There coverage is well lacking to say the least. If you can't make a claim for a 2 year old dogs abscessed tooth what could they possibly cover? Coverage for 2 years with zero claims on 2 dogs. Took them a month to tell me my claim wasn't approved and that was after getting info from my vet to support the claim. No preexisting issues. Just your policy didn't cover this. Teeth cleaned. Nope doesn't cover that either. No explanation what so ever. Just awful service after paying for 2 years without ever making a claim.
5

out of 5

POSTED: | BY: Lisa

Great coverage

I'm very happy with Embrace. Their turnaround time is fantastic as well as their coverage. There are no surprises!
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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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