Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: MN Perry

Solid coverage

Solid coverage, prompt processing. I have 2 cats and a dog, and have had positive experience. Only minor complaint is online functionality, of "find my provider" is glitchy on Mac, Safari.
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5

out of 5

POSTED: | BY: Mr Howard Hapner

Very easy process to submit claims

Very easy process to submit claims
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5

out of 5

POSTED: | BY: Thomas Budryk

Embrace has been great

Embrace has been great. It has been very easy to submit claims and our dog has never been denied coverage. Having pet insurance helps give you peace of mind when your animal is dealing with an emergency. I highly recommend Embrace.
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5

out of 5

POSTED: | BY: Megan V

Quick and Easy

We submitted our claim, which was very easy, and then received the answer and ultimately the reimbursement check all very expeditiously. Great experience!
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5

out of 5

POSTED: | BY: Amber

Great service

Embrace is always quick with my claims. Anytime I've had a question, I can call and have confidence that it will be answered quickly and correctly.
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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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