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.
3

out of 5

POSTED: | BY: Nancy

blind

I am a first time cat owner & researched which pet insurance would be good. I thought Embrace had good coverage but probably, due to lack of experience and understanding of the coverage, I feel after submitting one claim, it may not be for me. I don't understand how I pay for a premium every month & the reimbursement I gave for claim, matches a portion of what I pay for the premium. My claim did not get fully covered. After taking time to submit the claim, in the end, most of the payment is out of pocket. I could have paid out of pocket without the insurance. Bottom line, I reviewing whether I should keep the insurance; even though, the process went smoothly.
5

out of 5

POSTED: | BY: Rise

Embrace, the GOLD STANDARD

As ZEKE continues to improve I stop everyone who comments on his health and beauty that if it were not for the care EMBRACE let me afford he would not be here. Embrace has been professional, caring and organized. I was hoping I could get on his plan!
4

out of 5

POSTED: | BY: Alisa

My first claim

As a newbie to insurance for my pup I was a little nervous about the process of getting my claim reimbursements. I thought it was going to be onerous and inefficient but embrace made it super user friendly and sent really useful emails to let me know where my claim was in the process. I also felt there customer service was very accessible and friendly. I highly recommend embrace so far!
5

out of 5

POSTED: | BY: Megan

Where would I be without Embrace???

In a lot more debt, that's where. I signed up my pup for Embrace just 3 months ago. He was completely healthy prior to enrolling. Unluckily he's had 2 emergencies already since enrolling. Embrace has been so speedy at getting our refunds back to us. I've only paid for 3 months of insurance thus far, but made my money back, and more, for the entire next year! Thanks so much Embrace!
4

out of 5

POSTED: | BY: L.

VERY PLEASED, SO FAR!!

I have been very pleased with Embrace Insurance so far. We signed up for the Wellness program, and had an orthopedic exam done on our chocolate lab, Maggie. We received email confirmation that they had received the exam report and a week later we received an email saying that they would be sending us a check for the exam. Very pleased!!
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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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