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: CSJG

I've been with Embrace since 2016 and…

I've been with Embrace since 2016 and they have always been excellent. I recommend them to everyone. Submitting a claim is very easy.
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5

out of 5

POSTED: | BY: Susan

Several procedures with older dog and…

Several procedures with older dog and invoices were handled promptly and fairly. I also had coverage questions with a phone representative who provided great information and was patient and helpful.
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5

out of 5

POSTED: | BY: Sam Sommer

I couldn't be happier with Embrace Pet…

I couldn't be happier with Embrace Pet Insurance! 10 STAR SERVICE!!!
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5

out of 5

POSTED: | BY: Irene Dwyer

Very easy process to submit claims and…

Very easy process to submit claims and quick turnaround for reimbursement.
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5

out of 5

POSTED: | BY: Linda Ebert Tutoring

Website was simple to navigate and…

Website was simple to navigate and upload documents. I also called the 800# just to confirm a couple of items and the customer service rep was concise while personable. She saved me time and helped me process one area of confusion on the 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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