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.
3

out of 5

POSTED: | BY: Donna May

Good until yearly renewal

I think the insurance is good. Reimbursement and communication was good. I had insured 2 dogs and 2 cats at an affordable rate. However, my first yearly renewal recently popped up and I received a notice it was going up $98. I simply can’t afford that so I had to cancel all of my pets except one. Very disappointed in that level of rate hike. I expected it to go up a little, but $98 is significant.
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5

out of 5

POSTED: | BY: CJ

So far so good submitting claims

So far so good submitting claims. Very easy.
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5

out of 5

POSTED: | BY: Maria Price

It's always a pleasure to talk to the…

It's always a pleasure to talk to the people at Embrace. They are always ready to help and very kind. I would recommend them to everyone
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1

out of 5

POSTED: | BY: Ted Wolf

my pug's dental…

Sent in an invoice for my pug's dental cleaning. States right on the bill - dental cleaning. Embrace has to get a formal diagnosis from the vet clinic.
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5

out of 5

POSTED: | BY: Barbara

It's always easy to submit claims

It's always easy to submit claims, only one of the reasons I love Embrace 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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