Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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.
1

out of 5

POSTED: | BY: Susanna Gruppuso Schuler

They are never easy to get on the phone....you wait and wait

They seem to have a problem when you send the bills...over and over again...calling the VET....me sending what they need and then saying its not enough...what more do you want.
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5

out of 5

POSTED: | BY: Bridgette

So easy to file a claim!!!

So easy to file a claim!!!
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5

out of 5

POSTED: | BY: Debby Pond

Highly recommend!

This is my first time having pet insurance and so far, I could not be more pleased! Claims are easy, and usually taken care of within 48hrs. Embrace has been awesome!
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5

out of 5

POSTED: | BY: Sharon Aiken

My Rudy would not be alive without…

My Rudy would not be alive without Embrace. His cardiomyopathy lands him in the hospital frequently. Embrace covers 90% of his very pricey visits.
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5

out of 5

POSTED: | BY: Stephen M

Easy and quick

I uploaded the bill into the app and had the payment approved within a couple of days. I couldn't be easier.
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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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