Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Steve Fisher

Embrace has been terrific

Embrace has been terrific. From representatives I spoke to and the customer service, the company could teach others how to provide excellent service. Thank you Embrace. Our pet is well cared for.
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5

out of 5

POSTED: | BY: Edward DiDonna

Money an issue? Work with customer service for an acceptable outcome.

I called to cancel my policy for economic reasons. Devon explained some options that made sense. As a result, I am still a customer with pet coverage that is affordable.
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5

out of 5

POSTED: | BY: Susan RC

Great experience

We are very thankful for having Embrace pet insurance for our Dog Mylo. We had 2 of our other dogs tear their CCL and didn't have insurance. He now has cancer and this policy has been a life saver to help us afford his care. My only complaint is the automatic responses when there is an issue with the claims, its generic and doesn't give correct info for what is needed. I kept getting emails saying it wasn't legible when in fact the totals didn't add up. Would be nice to get correct info.
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5

out of 5

POSTED: | BY: MARIALUZ

They understand our needs to help with…

They understand our needs to help with Breck’s health.
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5

out of 5

POSTED: | BY: Gretchen Morgan

Easiest insurance I've ever had!

Quick answers to any questions. Easy claims process, processed almost immediately
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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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