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: Ellen Griffin

We have Embrace Pet Insurance for over…

We have Embrace Pet Insurance for over 5 years, and they have always provided excellent service. It is the easiest insurance company to deal with, from submitting claims, response time, and thorough communication. I have even been able to contact a customer service rep on the weekend.
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5

out of 5

POSTED: | BY: m gilbert

great service

i improperly set up my claim and was able to get that resolved and covered in the way that i expected. great experiences with the representatives
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5

out of 5

POSTED: | BY: Aimee Wilson

Amazingly easy as usual to submit a…

Amazingly easy as usual to submit a claim. I appreciate the ease and convenience of use, from having my choice of Veterinarians to submitting claims. My Veterinarian has started recommending Embrace to other clients after seeing us use it for over two years. The insurance makes our pet parenting experience much easier in the long run. I wish Embrace covered Birds and Reptiles, too.
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5

out of 5

POSTED: | BY: Dani and Jeremy Knoll

Super easy to submit claims

Super easy to submit claims
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4

out of 5

POSTED: | BY: Klaus Jander

After some initial difficulties and…

After some initial difficulties and miss communications or coverage limit or exclusion explanations ( some of which may have been on my part) everything was handled quite satisfactorally and expedissuly.
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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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