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: Mario Garcia

First time submitting a claim- Embrace…

First time submitting a claim- Embrace really makes it easy to file a claim- all instructions very simple to follow. Claimed done and great job Embrace- Thanks.
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5

out of 5

POSTED: | BY: Joe C

Easy as always

As always, claim submission was simple, direct, and intuitive.
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5

out of 5

POSTED: | BY: Kelsey Ale

Highly Recommend

I've used Embrace for almost a decade now, and it's been such a lifesaver when it comes to unexpected pet needs or high-price services like dental work. Even some regular services (like blood glucose check-ups for me newly diabetic cat) are covered by my plan which makes life so much easier for me. The customer service is kind and helpful, and submitting claims is incredibly easy. I'm so glad to have them on my pet care team!
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5

out of 5

POSTED: | BY: Lydia Bulas

Great customer service

Great customer service. Representative was vary helpful. So far I’ve only placed a claim for my dogs for wellness and was reimbursed right away.
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5

out of 5

POSTED: | BY: MaryKay Ludden

My first claim for Remy.

Very easy to submit a claim.
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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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