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: Leslie Rocco

All good things to say

Completing our 1st yr. They pay lightening fast, pay on what is covered and their app is super easy. It was a huge decision and not cheap but Embrace is a quality company.
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5

out of 5

POSTED: | BY: Gwynne

We've been with Embrace for over 10…

We've been with Embrace for over 10 years and so glad we went with them when we saved 2 cats when they were very young. It's always been very easy to work with them.
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1

out of 5

POSTED: | BY: Elizabeth Church

Never again!

This was the most ridiculous, unnecessary, drawn out claim process I have ever had. And the amount of the claim was nominal for vet visits now. Neither I or the vet could understand why and how the info Embrace asked for was in any way relevant. Needless to say this was the first and last time I will insure a dog with Embrace. When my contract ends in June, that's it.
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5

out of 5

POSTED: | BY: Bicycle Village (Lisa & Cindy)

Very easy to upload and submit the…

Very easy to upload and submit the claim. THanks
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4

out of 5

POSTED: | BY: Patrick H

We'll see after I have to turn in a claim.

The wait times before the coverage begins could be better. The monthly fee is a tad high for not covering some of the issues that are "going" to happen.
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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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