Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Kim Campanelli

HIGHLY recommend!

My experience started 5+ years ago with Embrace and they have been AH-MAZING. I highly recommend them. Reasonable pricing and very fast payment. I'm really grateful for an honest insurance company with such fantastic service.
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4

out of 5

POSTED: | BY: Alan Such

Great Customer Service

I have always given Enbrace five stars. Maybe it was volume related, but the time of reimbursement was a bit longer then usual, even after I went to the Vet to get the added info that was required,
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3

out of 5

POSTED: | BY: Lori McBrayer

On the fence with Embrace

On the fence. My baby takes allergy medicine because he gets itchy. Embrace predetermined this as a pre- existing condition . Which means they will not cover his medication, whatever I knew that going in. However he came down with a double ear infection last week and they would not cover because they attributed it to his dermatitis. Ridiculous my vet said it was bacteria in his ears has nothing to do with his allergies. For the premiums I pay, this is blatant looking for excuses not to pay. I’m going to be looking at other insurance companies to see if I want to stay with embrace. The stretch between dermatitis and ear infections is just ridiculous.
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5

out of 5

POSTED: | BY: Victoria Lynn Berdnik-Atkinson

We're very happy with Embrace!

We're very happy with Embrace!
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5

out of 5

POSTED: | BY: Linda Leach

It is so easy to submit a claim and a…

It is so easy to submit a claim and a very quick response. Thank you Embrace!!
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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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