Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,717

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: Victoria Lopez

I have been using embrace for 9 years

I have been using embrace for 9 years. The claims process has become very easy to use and Claims are addressed usually with in 2 - 3 business days. Their coverage of my dogs ailments/illnesses have been great.
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5

out of 5

POSTED: | BY: Kristin Kerckhoff

Embrace makes the claim process fast and easy

Embrace makes the claim process fast and easy! Simply upload a copy of your invoice and submit. I've never had a problem with reimbursement. The check is always sent in a timely fashion. Truly makes going to the vet and an already difficult and stressful situation easier.
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5

out of 5

POSTED: | BY: Joan Williams

Excellent customer service and prices.

Excellent customer service and prices.
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1

out of 5

POSTED: | BY: S Y

I signed up with a monthly rate of $22…

I signed up with a monthly rate of $22 per month. My rate is now up to $48 a month 3 years later and the only way to adjust it is to take a lesser insurance. I’m going to be switching.
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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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