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: Lyn

Prompt reviews of our dog's history and…

Prompt reviews of our dog's history and visit to the vet for an obstruction. Coverage of costs was excellent.
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5

out of 5

POSTED: | BY: Anthony Accardi

Happy customer happy pet

I was one who always thought pet insurance is a joke . I have changed my opinion after purchasing an Embrace policy. I could only wish my own health insurance worked this well.
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5

out of 5

POSTED: | BY: Kim S

Crazy easy

Crazy easy to submit claims, fast processing and always so helpful on the phone!
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5

out of 5

POSTED: | BY: Debra Locke

I called to cancel but was persuaded to…

I called to cancel but was persuaded to give you a chance so that’s what I will do.
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1

out of 5

POSTED: | BY: Kandy Gill

The reps state they are waiting to hear…

The reps state they are waiting to hear back from the vet, the vet states they have no emails or faxes from embrace. I have to contact the vet to forward additional information to Embrace. Weeks go by and Embrace states they are still waiting on information from the vet after confirming they received documentation. I paid for a service, and I have to provide the paperwork in addition to my statement from the vet at time of service.
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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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