Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,256

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: Candice Williamson

I highly recommend Embrace Pet Insurance

Ava underwent a spay procedure. I have the $400.00 annual Wellness coverage. I was extremely pleased with the ease of filing a claim, customer service interaction, and the turn around time between the day the claim was filed and when the money was deposited into my account. Thank you Embrace !
3

out of 5

POSTED: | BY: eric albert

Claim took way too long to process.

My dog's claim for dental surgery reimbursement based on her accident too over a month to process. I think that's way too long.
5

out of 5

POSTED: | BY: Leo Cozzo

Great service

I had Embrace for my dog Vinnie for over 4 years. Never had a problem getting reimbursements. Great company.
5

out of 5

POSTED: | BY: Gary Johnson

Piece of mind for emergencies

I have this coverage for emergency conditions, not wellness. It has worked well managing the cost of injuries and wellness. I was disappointed in the past that mouth cancer was considered dental and not covered.
5

out of 5

POSTED: | BY: Jeff bussiere

I wouldn't own another pet without embrace

Our pet had a spinal injury at only 15 months old. Very thankful for embrace they helped us through a tough time. It is bad enough to worry about your sick pet never mind the expense. embrace helped make that part easier. Peace of mind with pet insurance hopefully you won't need it but embrace was there for us when we did.
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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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