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.
5

out of 5

POSTED: | BY: Terese

Thank You! So glad for this insurance...

Never wanted to use this. Lulu had 2 tumors removed and continues to receive medical care. Embrace has been there for Lulu, helping me not have to choose other options. Highly recommend this company.
5

out of 5

POSTED: | BY: Lisa

So grateful we have Embrace

The peace of mind this insurance gives us is priceless. It allows us to make veterinary decisions easily knowing we have this coverage to fall back on. Reimbursement is very quick once the claims are filed.The only thing that would make this service better was if the premiums were not tied to the age of the pet and did not increase annually.
1

out of 5

POSTED: | BY: Barnett

Huge disappointment

I d not know if I will renew with your company. To say a skin rash 8 months ago is related to an ear infection is absolutely absurd, especially when the Doctor states otherwise. That would be calling the doctor a liar.
5

out of 5

POSTED: | BY: Mary

Fast, Efficient, Wonderful

My dog has had her 2nd ACL surgery and just like the first Embrace has covered it as defined by the plan. It was fast and easy. I received payment faster than I would for my own insurance. Simply wonderful service.
5

out of 5

POSTED: | BY: Sid

Happy my pets claim was covered

Very happy that my pets claim was covered
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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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