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: Irene

always satisfy with Embrace pet coverage

Embrace staff is very responsive and update on the claim process quickly. I am very satisfied with their services and got my refund in check by mail within 3 weeks after the claim filing.
5

out of 5

POSTED: | BY: Gwen

Great Insurance and Customer Service

I am so glad we opted to get coverage for our dogs through Embrace. The customer service and claim payments are excellent.
5

out of 5

POSTED: | BY: Irma

Wonderful

I am very happy I signed with Embrace.
5

out of 5

POSTED: | BY: Dana

Wellness coverage/claim

So glad I got a wellness policy. Dog was spayed & bought heart worm & flee & tic meds. Filing claim was simple and received a response each step of the way. Took 2 days for claim to be processed and reimbursed by direct deposit. Easy process & definitely recommend.
5

out of 5

POSTED: | BY: Wayne

Another Fast Response

For the second time this year, our dog needed extensive diagnostic work, and as before Embrace had full payment deposited into my bank account within jusr a few days. They do a great job.
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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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