Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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 Curls

Embrace has our back!

Embrace keeps coming through for our Shadow. She has had her troubles this year, but Embrace has made sure she had gotten the care she needs! We have needed Embrace this year and they have been there for Shadow and us every step of the way!!
5

out of 5

POSTED: | BY: Marie Wauben

Great Service

Faxed in claims and they were processed quickly. So glad I got this insurance. They have been great.
5

out of 5

POSTED: | BY: Laura

So easy

Embrace has been easy to use and contact since we got our french bulldog 5 years ago. We learned that she is very allergy prone and the optional package for med has been useful. Thanks for your quick and easy interactions.
5

out of 5

POSTED: | BY: David

Great customer service

This company is very easy to work with. The claims are settled quickly and always fairly. I would recommend this coverage to anyone
4

out of 5

POSTED: | BY: Sandra Rucker

Was a little disappointed at first

Had to call customer service twice to find out what was taking so long. Not sure what happened. Embrace advised they contacted my vet for previous health records. My vet advised request was not received. I called my vet to fax records. Customer service personnel was polite and friendly.
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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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