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

A Quality Pet Insurance

We've had Embrace Pet Insurance for many years. Customer Service is excellent! Reimbursement is without fail very timely. It gives me great peace of mind to know that Embrace Insurance will always take good care of the health needs of my King Charles Cavalier, Atlas.
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5

out of 5

POSTED: | BY: Marcia

HELP WHEN IT'S SO NECESSARY

After almost two years of fighting cancer, Embrace has been WONDERFUL in helping me afford the necessary treatment to save my little Zoe. THANK YOU Embrace!
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5

out of 5

POSTED: | BY: Carol Haff

I switched to Embrace Pet Insurance as…

I switched to Embrace Pet Insurance as I found the processing easy to explain the process
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5

out of 5

POSTED: | BY: CSJG

I've been with Embrace since 2016 and…

I've been with Embrace since 2016 and they have always been excellent. I recommend them to everyone. Submitting a claim is very easy.
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5

out of 5

POSTED: | BY: Susan

Several procedures with older dog and…

Several procedures with older dog and invoices were handled promptly and fairly. I also had coverage questions with a phone representative who provided great information and was patient and 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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