Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,306

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: Jessica Hudson

Very good company

I would definitely recommend Embrace. I've told all of my friends that are pet owners about it. The premium is very reasonable, and I feel that this is worth my money. I've only had to file 1 claim so far, and they were very prompt and professional and answered all of my questions.
5

out of 5

POSTED: | BY: Patti Foncree

Great Service

I decided to give Embrace my business primarily because of the personal service they provided. I emailed questions and got immediate responses; I emailed the CEO and she called me! I particularly like being able to customize the coverage I want for my 3 dogs, and the pricing is extremely competitive. Super website makes it easy to find information and get in contact with a real person.
5

out of 5

POSTED: | BY:

My first claim experience

I had my first claim with Embrace and it was handled well. They said it would be done within 10 days. Since my claim needed more information, they did notify to say that my claim may take a little longer. I found that to be helpful.
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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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