Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Lauren

Great job, Embrace!

Embrace did an amazing job paying my claim for my Welsh Corgi when she had to have dental surgery. Very easy process, vet submits the claim form and Embrace reimburses you.
5

out of 5

POSTED: | BY: Michael Cole

Outstanding!

Truly wonderful service! Our puppy got into something that caused him to have a UTI and an allergic reaction. The veterinarian and staff did an excellent job of caring for my Wife as well as our puppy.
5

out of 5

POSTED: | BY: Mom23

Awesome, Caring company

We have used Embrace now for a full year- we started our policy when our lab was 2 months old. We haven't had to submit many claims (thankfully) but the ones we have submitted have been reviewed and paid quickly. Their customer service team is kind, knowledgable, and very easy to work with. I would not look any further for pet insurance- Embrace is the best!
1

out of 5

POSTED: | BY: Marianne Messina

embrace is a Rip off!!!!

I'm very unhappy with the service I got from Embrace. Austin had a satisfactory physical in November 2015. You denied all claims when It was a cancer diagnosis. I will be giving my feedback on yelp slso.
5

out of 5

POSTED: | BY: Diane Leight

send more info to vet offices.

The people in Animal Wellness did not even know about your insurance. You should send information to them.
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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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