Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Ginny

Totally Satisfied

When notified via email of my reimbursement amount, I noticed a mistake. I called Embrace and within a few hours, the correction was made. It's so nice to not have to jump through hoops to have things righted. Great company.
5

out of 5

POSTED: | BY: Roberta

Embrace is great !!!

Have only had two claims for wellness but I'm so impressed with the service and how fast the claims were taken care of.Thanks for helping when needed.
5

out of 5

POSTED: | BY: Diane

Can't Say Enough Good Things About Embrace

Submitted my claim and received it within 14 days. Great Company. I'm always telling my friends and dog owners about this company.
4

out of 5

POSTED: | BY: Michelle

Much better

I have been with Embrace for several years. I had always had great service until the past few months. I let the company know and they have stepped up and done a much better job lately.
5

out of 5

POSTED: | BY: Denise

Love it!

My claims for my two dogs are processed the SAME day as the vet appointment in most cases! We receive an email detailing the claim that evening in most cases. The claims are reviewed and paid quickly and the correspondence is courteous and professional. The coverage is exactly as described with no hidden "fine print" that disqualifies claims. Embrace is wonderful!
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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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