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: Michael Steger

New Pet and Newly Insured

Being a recent new pet owner of a puppy, we researched various pet insurance offering and went with Embrace. Contact support and online access has been an extremely smooth process. Our first claim (Wellness) was just recently submitted and processed very timely. Our hope is that we won’t need the insurance, but it is nice to know that we have it in place for an emergency.
5

out of 5

POSTED: | BY: Nancy Mixter

Very Satisfied

Having a new puppy is expensive and knowing what kind of mischief they can get into, I decided on pet insurance. Sure enough, 6 months old and he gets gastritis and is one miserable pup. Embrace has been wonderfully supportive and our claims were processed within 5 days of them receiving the claims. Thank you and I would recommend Embrace to my friends.
5

out of 5

POSTED: | BY: Dawn Wynne

Exceptional customer service

Exceptional customer service
5

out of 5

POSTED: | BY: Peter

Excellent Insurance

Excellent Insurance, have to get dog pre cleared for pre-existing conditions but then well worth it. Just know certain things aren't covered (some dental procedures)
5

out of 5

POSTED: | BY: Ronnie McClure

Awesome customer service!

Embrace makes it easy to file a claim and the process is efficient. So far, I've only used the wellness benefit and it has been a positive experience.
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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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