Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Rebecca W

Embrace has come through once again

Embrace has come through once again. We've been with them for close to a decade, and have had 4 pets covered by them. It's such an easy process, clear and quick feedback, and timely claim payments. We're so thankful we were introduced through USAA all those years ago - we've saved 10s of thousands of dollars and had so many extra years with our pups.
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5

out of 5

POSTED: | BY: Diabro

Embrace is a part of our family for

Embrace is a part of our family for over 15 years now. Never a problem, claims paid quickly. A pleasure to do business with!
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5

out of 5

POSTED: | BY: Anthony

Life saver

We've had two pets covered by Embrace for nearly a decade. We have never had an issue making claims or getting reimbursements. I have also seen the app and website evolve over time to make it super easy to upload claim information. They are a compassionate and caring company, and I could not imagine dealing with our pets medical issues without their help.
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1

out of 5

POSTED: | BY: Kim Taylor

I had accidental and wellness

I had accidental and wellness. They owed me 250$ back for the wellness for the year and she had a lameness issue. I got nothing !! They told me they didn’t have enough information from the vet . They send over novels of her problems and still nothing !! I canceled it ! I wouldn’t have even gave them one star but had to to write this review!!
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5

out of 5

POSTED: | BY: Laura Wirthlin

Easy process and great customer service

Embrace makes it easy to submit claims and receive reimbursement. Great customer service helped when I was getting started with pet insurance.
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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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