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.
2

out of 5

POSTED: | BY: Cathy

Regretting this insurance

Thought this would be good to have for a puppy...but it turns out, so little it covered of their routine care, even with the routine ryder, that it just isn't worth the hassle to save maybe $25 / year. I won't recommend this insurance any longer.
4

out of 5

POSTED: | BY: Heather Zager

Fast, thorough and professional

These folks really have the process down! They clearly take an extra effort to prevent confusion with the claims process by getting you prepared in advance. When I did file a claim, it went smooth and quick.The only reason I didn't give a 10 rating was because this is my first claim with them. Great start though!!!
5

out of 5

POSTED: | BY: Caitlin

Super fast!

I've only had Embrace insurance for about a month, but so far they have been very fast with claims, and very communicative. I am very happy with the service!
5

out of 5

POSTED: | BY: Shirley Carpenter

Prompt service and payments

My dog has a blood disorder that required friquent vet visits and at times treatment. My embrace insurance is wonderful, don't know if I could continue with the treatments if it werent for Embrace standing beside me and my dog on this.
3

out of 5

POSTED: | BY: eric albert

Annual wellness allowance is way too low.

The wellness rider we purchased with Annie's plan is way too low for an annual policy. It's used up in no time. There should be a much higher amount allowable especially under the best plan(which we purchased).
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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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