Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Dan Robertson

Embrace comes through

Embrace has followed through on their promise to let us care for our pet without extreme financial hardship. We have three cats, and one has been very ill in the last year. Without Embrace, these unexpected vet bills would have been overwhelming.
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5

out of 5

POSTED: | BY: June Schroeder

Conquered my fear of submitting on line!

Once I got over my fear of doing things like this one line, it was easy and I can easliy say thanks for making it so easy!
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5

out of 5

POSTED: | BY: Jane Bentley

easy process now that I am used to it

easy process now that I am used to it. In the past I have been reimbursed quicly. Hoping that continues....
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5

out of 5

POSTED: | BY: AvardWalker

Embrace makes it so easy to file a claim

Embrace makes it so easy to file a claim
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5

out of 5

POSTED: | BY: Jana H. Lewis

The entire process took maybe 3 minutes!

The entire process from start to finish was so simple and easy and straightforward. It took maybe three minutes to input my direct deposit information and then click submit a claim put the date. Find my vet and upload the invoice and put in the dollar amount. Super super easy! I am thankful to my friend Debra Lee who referred me to Embrace pet insurance.
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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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