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: Paul

Excellence bar none

Our JRT had ER visit as she likes to hunt lizards and frogs and had a reaction to the frog she got ahold of. Embrace staff helped us set up our account and how to get our claim processed. They made it easy and we were reimbursed quickly. I highly recommend pet insurance and I recommend Embrace!
5

out of 5

POSTED: | BY: Jason

Incredible!

These guys are just the best.
4

out of 5

POSTED: | BY: Parker

older pet

Have a older cat and she got really sick when we lost our dog . she was heart broken and we almost lost her from kidney failure . We got the insurance when our other cat got sick and it was the only insurance that took oldercats .We carry other insurance for our other animals and they are very quick to resolve a claim it took over 2 months for your insurance to resolve the claim . I'm please with insurance , but time factor is not good .
5

out of 5

POSTED: | BY: Dyan

Great coverage

Have had Embrace for a few years now. Not only is the coverage and ease of filing excellent but their customer service is great. I would recommend Embrace to a friend.
5

out of 5

POSTED: | BY: Nicole

I love Embrace!

Customer service, customer service, customer service! Need I say more?! Prompt responses, clear benefits, and reimbursements are a breeze. I have recommended Embrace to many of my pet owner friends.
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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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