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: Tanya Meacham

My experience with Embrace has been terrific!

My experience with Embrace has been great. Website to submit claims is easy to use and claims were paid within a week or two and deposited directly into my account. It’s my first experience with pet insurance and so far I’m extremely happy with my choice!
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5

out of 5

POSTED: | BY: Frank Orbin

Once accustomed you won't want another

It takes a while or a few tries to get use to the format and submit but once you have it , well it couldn't be easier. The response time with your approved re-imbursement is also quick.
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5

out of 5

POSTED: | BY: Catherine Dorwick

Embrace Pet Insurance is like your best…

Embrace Pet Insurance is like your best friend for your pet! Always there for you!!!
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5

out of 5

POSTED: | BY: Russell

Truly wanted to help me and my pet!

Very honest and truly wanted to help me, unlike most insurance companies that just want to take your money. Thank you for helping me take care of my best furry friend.
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5

out of 5

POSTED: | BY: Barry Clancy

Ease of claim submission

Ease of claim submission
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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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