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: Judith

Embrace is Excellent!

Embrace is Excellent! My dog had treatment for $494.80 due to illness and they issued a check for $372.93. No questions just a check. I highly recommend Embrace for pet insurance.
5

out of 5

POSTED: | BY: Chris DeBolt

Good communication about processing of claim

Took awhile for the paperwork to be sent in by the vete. but the claim was finally settled. Embrace did keep in contact about claims progress..
5

out of 5

POSTED: | BY: Lynn-Ann Gries

Embrace is the best

Always focused on customer service, this company exceeds expectations.
5

out of 5

POSTED: | BY: ann k.

It really works!

I was so skeptical about pet insurance and spent quite some time researching options. I finally decided on Embrace and submitted my first claim in my second year of coverage. I was expecting a denial or them not covering everything based on some hidden clause, but no! I was reimbursed exactly as promised and while the claim took a bit long to process, they were very responsive to questions. I'm very impressed.
5

out of 5

POSTED: | BY: Carole J.

Great service

Have patience and complete the process.
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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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