Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Consumer

I had a great experience with Embrace…

I had a great experience with Embrace Pet Insurance thanks to a knowledgeable and friendly customer service representative who helped me navigate the process quickly and efficiently. Their support made everything smooth and stress-free — truly appreciated!
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4

out of 5

POSTED: | BY: sharon szabo

Claims filing

Embrace is very easy to work with, website is easy to navigate and filing claims is easy and quick. thank you!
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5

out of 5

POSTED: | BY: Tanya

Very happy with Embrace Pet Insurance

I've had Embrace Pet Insurance for 3 years. I added the wellness plan. Very happy with the company and their fast response to claims. Every year, the Wellness Plan covers all annual shots, tests, and usually 3 months worth of flea and tick prevention. Having this insurance gives me peace of mind.
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5

out of 5

POSTED: | BY: Christine Reichart Stuermer

Customer Service Outstanding

Customer Service Outstanding. Reimbursement prompt within the stated review period. Website is very easy to use.
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5

out of 5

POSTED: | BY: Jimmy Young

Ease of navigating through website.

Ease of navigating through website.
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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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