Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Maybeth Shirah

Wellness coverage is a major blessing.

Finally, an insurance company that helps cover expenses for healthy cats. I signed up for Embrace because one of my cats is ten years old and age might bring on problems. But they also just reimbursed me the total cost of his six-month supply of flea/earmite/heartworm preventive solution. This is such a help because I still have five uninsured cats to provide for. Besides the benefits I want to say that this company stays in touch, is super efficient, thorough, and helpful.
5

out of 5

POSTED: | BY: Linda

Better than Expected

First time using. Got all but $20 back on a wellness exam.
5

out of 5

POSTED: | BY: William Gilbert

Embrace for a year

Wellness coverage is worth it. Money back if you have an outdoorsy dog like ours who needs various vaccines. Chose embrace for a reason was the right choice. Immediate communication and easy processes. First year isn't quite up and will continue for life of the pet. Get in bf age 9 as with all dog insurance.
5

out of 5

POSTED: | BY: Esther

Great customer service

Excellent follow up, quick responses to emails. First time using their services and so far, so good.
5

out of 5

POSTED: | BY: Soo Hyun

Reliable

My furry baby had seizure and vets had to run several tests to find out what was the cause. I was impressed by Embrace for their prompt attention in sending me the check after I sent the claim. I'm very happy that I chose Embrace INS. Their Customer Service is excellent! So reliable! Very encouraging with their warm words by phone and e-mails. (not so much outhere these days) Thank you so much Embrace! You're impacting and making difference!
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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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