Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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.
4

out of 5

POSTED: | BY: Aileen Markes

So far it seems easy to submit a claim

So far it seems easy to submit a claim. Let's see what happens next. Hopefully it's what everyone is speaking about.
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5

out of 5

POSTED: | BY: Stephany Sanchez

Helpful phone customer service

Helpful phone customer service
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5

out of 5

POSTED: | BY: Karen MacDonald

Very pleased with Embrace insuring my 2 pups

I signed both my dogs up once they joined our family. This was 15 and 12 years ago. The rates have increased due to their ages but the coverage, service, ease of use to submit a claim, and payment time is great. If I get another dog, I would definitely sign up with them. I’m glad I found them.
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5

out of 5

POSTED: | BY: Gary and Denise Haines

I love embrace insurance

I love embrace insurance. The service is great and the response for my claims are quick. I recommend to all my friends and colleagues. Best pet insurance ever!
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3

out of 5

POSTED: | BY: Ali Tehrani

Very hard to find a person to talk…

Very hard to find a person to talk throughthe phone. Just AI, poor customer care, Also, the processing for reimbursement is too long and frustrating 😢.
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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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