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.
5

out of 5

POSTED: | BY: Angi

Best decision I ever could have made for My Babies

I was totally surprised at the ease, speed & courteous actions of Your staff for My first claim on both My Australian Shepherd & Black Labrador.
5

out of 5

POSTED: | BY: Trina

Fast Reimbursement

Receive an email that my wellness reimbursement request was received days after mailing. Two days later, received another email stating the check was in the mail. Amount approved was what I expected. The coverage was well explained at signup and it was clear that illness/injury was the main coverage and wellness was available at an additional charge.
5

out of 5

POSTED: | BY: Stephanie

Wonderful Service!

Embrace has been very professional and courteous. We appreciate all of the care!
4

out of 5

POSTED: | BY: Rebecca

Good Service

My dog had a sebaceous cyst on his tail I took him to the vet for treatment...This is the first claim with Embrace and I was very happy with the ease of reporting and customer support through the claims process.
5

out of 5

POSTED: | BY: Karen

Great service

First of all, talk with the very helpful staff of Embrace and make sure you understand what is covered and what your options are. They are quick to respond and inform. My experience has been very positive, although I did not realize that the prescriptions for my dog would not be covered.
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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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