Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Heather

Lots of experience

I have had Embrace pet insurance coverage for 2 dogs and 2 cats over the last 7 years. I did not find coverage for the cats worthwhile so I dropped them from my policy. I also did not find the Wellness Program worthwhile as it's basically a "savings account" specifically for pet use but if you don't use it all (like FSA funds), you lose it. It was frustrating to see my coverage increase substantially as my dog aged, but whenever I needed to use the insurance, Embrace came through. The claim submission process is super easy and when my Sparty's time with us came to an end, the Embrace staff was incredibly compassionate. Cancer took my best furry friend rather abruptly, but the outpouring of sympathy was much appreciated. Thank you, Embrace.
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5

out of 5

POSTED: | BY: Tonya Tipton

I have been using Embrace for quite…

I have been using Embrace for quite awhile now and they have been extremely good for all my animals. I have had to file a number of claims and I have never had a problem with them. The only holdup I have ever had was because the veterinarian neglected to put something in the paperwork.
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5

out of 5

POSTED: | BY: DAN CONTRERAS

Great customer service and explanation…

Great customer service and explanation of benefits
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5

out of 5

POSTED: | BY: Katherine Taylor

My representative was so informative

My representative was so informative. I appreciate her time explaining in detail what the insurance covers. A satisfying experience knowing my dogs and soon litter will be protected by a good insurance company that meets your needs and budget friendly I will recommend to new owners of my puppies as well
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5

out of 5

POSTED: | BY: Dominic Campanelli

Simple process

Simple process. I'll be more please when the claim is accepted.
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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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