Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Paul

Very prompt claim payments

Embrace has very promptly paid all of my dog's claims without any hassle at all. The claim submission process is very simple and easy. I am very pleased with Embrace.
5

out of 5

POSTED: | BY: L

Reliable, fast and friendly

Awesome!
5

out of 5

POSTED: | BY: Allison

Easy efficient helpful

We absolutely love having Embrace Insurance. Being able to provide care to your family member (pet) and not worrying about finances is more than anyone can ask for. If you have a pet and do not have Embrace Insurance I cannot encourage you to sign up for it enough. Know that there is an insurance company that actually cares.
5

out of 5

POSTED: | BY: Trixie's

Embrace is great, responsive & prompt.

I am glad we went with Embrace for our dog. The Embrace representatives have been very helpful. The responsiveness is phenomenal. Wish I could say the same for human health insurance companies!
1

out of 5

POSTED: | BY: Lisa

Why is this considered wellness care?

My puppy has an unknown skin condition which makes him bite and scratch himself constantly. The vet is weeding out causes one by one. Initially we tried the prescription shampoo, then when that didn't work we switched to trying advantix every week for a month. You are insisting on calling this wellness care. It's not. I pay almost $80 dollars a month for wellness and accident coverage. Poe is less than 5 months old, and this pet insurance is causing so much aggravation.
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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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