Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Edward Roach

Peace Of Mind Pet Insurance

I've had Embrace Pet Insurance for my dog from the day I brought her home, nearly 6 years ago. Fortunately, until recently, I've only used the Wellness Rewards part of her coverage. Embrace has always been prompt with reimbursement for the items covered. Now recently, for the first time since having the policy, I had to file claims under the Accident/Illness coverage. So far, Embrace has been expeditious in completing the claims. One of the claims needed more info, and they immediately communicated that to me. So, knowing Embrace Pet Insurance is working the way it should, and giving me peace of mind, makes me pleased that I selected them for my dog's coverage.
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1

out of 5

POSTED: | BY: Jodi Rohr

I heard nothing but good about this…

I heard nothing but good about this company but all we get is fights and delays in processing. Very disappointed.
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3

out of 5

POSTED: | BY: Bogue Smith

Some good and some bad

Promptness and communication are great. However, they do not cover most of every vet bill we get. Plus the deductible combined with monthly fees are almost impossible to say it's a good investment, even if there's surgery or annual visits in one calendar year.
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5

out of 5

POSTED: | BY: Crissy Clover

Easy !

Working with Embrace has been easy, user friendly, and doggone great!
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5

out of 5

POSTED: | BY: Lynn Stone

Embrace is very easy and great to work…

Embrace is very easy and great to work with.
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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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