Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: DW

Amazing

Embrace is just the BEST in every way. They are prompt with claims, they are fabulous with customer service and the insurance is AMAZING. Thank you Embrace for all you do for my pups :-)
5

out of 5

POSTED: | BY: Josh

Quick, easy claim submission and reimbursement

This is our second claim with Embrace, and both times, they review the case quickly, keep us informed along the way, and reimburse our claim. I am much more comfortable with my pets' health and well being because of my Embrace coverage.
1

out of 5

POSTED: | BY: Barb White

Disapointing.

Being good pet owners, we took our Newest rescue to the vet to check on some concerns. Luckily they all turned out to be nothing. Sadly, Embrace used the visit to exclude everything we had checked. Very disappointing from a company we have had good coverage from in the past.
1

out of 5

POSTED: | BY: Erica L

Unsure

So far I have yet to get any information on my claims. I have jumped through every hoop in providing information about my puppy, his history, and repeating the process via my vet. I'm still waiting to get information on my claims, although I have wellness and illness. This is ridiculous.
5

out of 5

POSTED: | BY: Carol D

They WILL reverse exclusions if you provide data

Embrace agreed to remove an exclusion on my dog's file once I provided documentation from my vet that proved the condition/concern was unwarranted. I appreciate that they were willing to take new data and change their exclusion when given logical information that warranted the change.
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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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