Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: customer

Embrace claims process is very smooth…

Embrace claims process is very smooth and refunds are prompt. We have had Embrace since 2020 and have always been pleased. I would highly recommend Embrace if you are looking for a quality experience.
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5

out of 5

POSTED: | BY: Lorinda Toledo

Very satisfied and grateful for Embrace!

Very satisfied and grateful for Embrace pet insurance! I really did my research in comparing companies and policies, but decided to go with Embrace for our two beloved kittens because of such comprehensive coverage, particularly Wellness reimbursement that includes preventative dental care & the 24/7 remote vet consultation. So far, I've had to use my insurance unexpectedly more than I would have expected, and it has already paid for itself. The claims process has been easy and efficient, and anytime I've needed to call with questions I've received excellent customer service.
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5

out of 5

POSTED: | BY: Ellen Hermann

Good MMI

The man-machine interface is good and very easy to use after the first entry.
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5

out of 5

POSTED: | BY: Aakansha

Embrace has never failed me

Embrace has never failed me. They are so quick to reimburse claims. They are so friendly to talk to on the phone and also very caring. I recommend them to everyone who asks about pet insurance because they are the best. Thank you Embrace
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1

out of 5

POSTED: | BY: Jonathan Withers

Awful company- 60% increase in annual…

Awful company- 60% increase in annual premium with NO claims. Cancelled policy
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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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