Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: Patricia

Embrace is easy to use

Embrace is easy to use. Always very responsive and reimburses quickly. Always gives a clear informed explanation. Great value.
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5

out of 5

POSTED: | BY: Anne Wallwork

Help with getting appropriate coverage while reducing premims

Embrace representative reached out by phone because our policy renewal was expensive. When I called back, she helped me figure out how to reduce the premium without reducing the protection that was important to me. She was patient, knowledgeable, and went over every imaginable option (more than once). She understood what I wanted for our geriatric dogs and helped me figure out that raising the deductible was the most cost effective solution. We LOVE Embrace. They have always paid our claims promptly and fairly.
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5

out of 5

POSTED: | BY: Candy

Embrace is the best

Embrace is the best! Customer service is always great and they quickly resolve any issue I have.
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5

out of 5

POSTED: | BY: Lorie

Sarah was a pleasure to work with

Sarah was a pleasure to work with, helped me pick out the plan that would suit our pups best, and seems very affordable. We have not yet signed up as I am waiting for my husband to be back in town, however I do expect us to !
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1

out of 5

POSTED: | BY: kyle holman

We have had embrace for about 12 months…

We have had embrace for about 12 months now on our 1 years old boxer. The policy doesn't cover meds while being treated at the vet or at home. My fault should have read the policy coverage better. My understanding was meds at home not covered. But was wrong. after 1 year the policy more than tripled for a 14 month old boxer. We relocated from CA to AZ which reduced the cost of care by 50%. I would not recommend embrace for anyone. I had Trupanion for another boxer and had it for 13 years. Never did we have a rate increase like this and it was a better policy.
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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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