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.
3

out of 5

POSTED: | BY: Johnella Benton Joni

The firstepresentative had absolute…

The first representative had absolutely no compassion or understanding for my concern. After requesting her supervisor, the communication was totally kind and understanding of my concern. Pet owners are real people with real concerns.
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3

out of 5

POSTED: | BY: Bridgette

The representative was great

The representative was great, I just got the answer I didn't want. I called Embrace to see why my premium keeps going up. Apparently it's nothing they can control and it has to do with the cost of vet services... Well I've literally never needed to file a claim with them the 4 years I've had them so I'm going to cancel my policy
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5

out of 5

POSTED: | BY: Gregory Schwob

Awesome!

Very expedient, efficient processing of our claim.
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3

out of 5

POSTED: | BY: JOYCE EDWARDS

It took a long time to get results

It took a long time to get results. They asked for so many records that were in their possession when we insured her. Also after we paid the deductible, they still took 10%? I've never heard of that
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5

out of 5

POSTED: | BY: Julie

Embrace makes it so easy to file your…

Embrace makes it so easy to file your claims. So grateful they are there to help with the cost of all the vet visits.
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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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