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: Roslyn Cramer

Excellent service

Embrace is very easy to interact with and explaining about claims and payments.I am very pleased that I purchased the Wellness and Puppy insurance. It gives me peace of mind that I am covered for any eventuality concerning my puppy.
5

out of 5

POSTED: | BY: M Krepcho

Consistent in service and messaging

They always have met their goals in service by timeliness and excellent communication. Really believe they put our pet's best interest first.
5

out of 5

POSTED: | BY: Gary Starr

An insurance company that cares!

I've had two pets with serious issues, a young cat with renal failure and now an Irish Terrier with lymphoma. Embrace has been caring, fair and fantastic. I urge anyone who cares about their pet to use Embrace. If only human care was like this again.
5

out of 5

POSTED: | BY: Jeff

Process worked as advertised.

Everything worked as advertised. The Vet Office filed the claim using the form we provided and they maintained on file. Embrace processed the claim and notified us of payment and it was received. Have just set up for direct payment in the future. Very happy with Embrace and the insurance.
5

out of 5

POSTED: | BY: Megan

Awesome

So far so good. They worked with me well today when I was a little confused on my coverages for my fur babies. They are an very friendly place.
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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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