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: Corky

Great Piece of Mind for Pet Care

I appreciate the piece of mind Embrace affords when it comes to the potential to major medical needs of our pet. The claims process is straightforward; there's a very quick turnaround on claims and a detailed explanation of benefits is provided with each. Thanks for being there!
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5

out of 5

POSTED: | BY: Elise Barrett

I have had Embrace for five years now

I have had Embrace for five years now, and reimbursements are fast and easy! I sincerely appreciate Embrace and its people who are always courteous and competent. I love and sincerely appreciate Embrace!!!! Elise B.
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5

out of 5

POSTED: | BY: Adele

Very happy with Embrace pet insurance

Very happy with Embrace pet insurance. Our claim was handled promptly and fairly. First rate service!
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4

out of 5

POSTED: | BY: PHIEGE TV

Claims is easy

Claims is easy. Just sucks that it takes until the final years of your pets life to actually benefit fully
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1

out of 5

POSTED: | BY: linda horoshak

Your online reporting of a claim is not…

Your online reporting of a claim is not very user friendly. It asked me to put in a diagnosis which I did and it keeps telling me that "no Diagnosis was included."
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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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