Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,691

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: Colleen Egan

Embrace is the best

I've had Embrace for 1 cat, and now another cat, and I have been very satisfied with their service. Claims run through in a reasonable amount of time. I recommend them to all my friends.
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3

out of 5

POSTED: | BY: MaryJo Frechette

Not happy that I can’t change my…

Not happy that I can’t change my payment due date. I had a change of payday. I could only change it by buying a new policy that would not pay my pets allergy meds because that would be pre-existing condition. Not happy.
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5

out of 5

POSTED: | BY: Joyce Mack

Always professional

Always professional, courteous, and knowledgeable.
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5

out of 5

POSTED: | BY: DG

Really good plan! So glad have it after almost 8 years

I've had embrace for the last 7 1/2 years. The Wellness plan reimburses me for my dog's annual exam every year. It also helped me out greatly when my dog had to get a tooth extracted during a dental cleaning when he was a puppy.
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5

out of 5

POSTED: | BY: Susan Banks

Embrace responds quickly

Embrace responds quickly. Sends reimbursement in a timely fashion. It is not cheap, but well worth it.
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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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