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: vicki

Always professional

As my dog ages I have had more communication with Embrace than the other years we've been insured with them. Every time I have the staff has been more than excellent. The biggest problem is not the Embrace staff, but the vet's office to mail the claim form in!
5

out of 5

POSTED: | BY: Jodie

Absolutely amazing pet insurance!

Our sweet pup started having skin issues about 4 months after we got her. Embrace has been fabulous handling our many claims. The service is incredibly fast. I wish insurance for myself was as easy to deal with. Thank you Embrace.
5

out of 5

POSTED: | BY: Dawn

Fantastic Service

I've had Embrace for three pets for the last year and a half. They have been fantastic. They've been prompt with claims and have kept me updated during the process. I have access to all my pets claims, reimbursements, remaining coverage, etc. on their website. They've been very pleasant and professional when I've contacted them, and truly seem to have our best interest at heart.
5

out of 5

POSTED: | BY: Whitney

Never an issue with coverages

This policy smartest thing I ever bought , customer service great
5

out of 5

POSTED: | BY: Benjamin

Neuter

I've had no problem getting claims done for a wellness visit to set him up for the neuter and the surgery itself. Staff communicates clearly and has answered my questions when I called them to clarify an issue with my policy.
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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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