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: Charlene Logan

Embrace was there when I needed them!

This was my first dog with pet insurance. I spent a lot of time studying my options. I'd had it for four years before I needed it, and then within one week, my dog became ill, requiring surgery, with an estimate over 10K. Without Embrace covering most of it, I wouldn't have been able to go forward with saving my dog's life. Claims were easy. Directions were easy. You may think you don't need it, but when you do, you do!!! So thankful I have this.
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5

out of 5

POSTED: | BY: Judy L.

Very easy to navigate the website and…

Very easy to navigate the website and to file a claim.
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5

out of 5

POSTED: | BY: Phyllis Yates

Experience with Embrace Pet Insurance

always a pleasure to deal with this company..filing claims are east to do... would recommend this company to others...keep up the great service!
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2

out of 5

POSTED: | BY: Kristi Cameron

Communication and Rising Costs

This company has become harder and harder to contact. When you do reach an agent, they are very nice and helpful. Over time, the rates have continued to increase.
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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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