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.
5

out of 5

POSTED: | BY: Aven Burch

Easy access to account,quick response

Easy access to account,quick response, reasonable prices,and the caring and understanding staff.
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5

out of 5

POSTED: | BY: AvardWalker

The person was patient

The person was patient, professional and understanding.
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1

out of 5

POSTED: | BY: John Bowling

Honestly

Honestly, a headache that didn't need to occur. I have had embrace for probably 10 years. I have 3 dogs on my plan. My dog accidentally got a laceration that needed stitches. I put the claim in and got a response that they needed my dogs medical history for 12 months prior to signing up with embrace. So ridiculous as this has nothing to do with his health. They also should already have all this info anyhow. I was told this was policy. They should Honestly refund all the money I paid into this policy for 10+years. Shame on Embrace. Would definitely not recommend at this point. Another stupid way to inconvenience people!!
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5

out of 5

POSTED: | BY: Lorraine Fontana

I can’t say enough good things…

I can’t say enough good things about Embrace. Without your help, we could never have afforded the extensive treatments and medications for our dear sweet kitty over this past year. Each and every person I have spoken to at Embrace has been professional, kind, and compassionate. I sing your praises to all the pet parents I know. Thank you and God bless you.
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5

out of 5

POSTED: | BY: Wendy

Great experience

I’ve had Embrace for my two Italian Greyhounds for two years. I have had a great experience. They approve pretty quickly and it only takes a couple of days to get the money back into my account. Overall, wonderful experience
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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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