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: Ron S

Embrace your pet's good health with Embrace Insurance.

Embrace has covered my dog, Luna through two skin cancer operations with no problems. My last claim was $2100.00, and it was processed and paid in five days! My pet's insurance is handled better than my own health insurance.
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5

out of 5

POSTED: | BY: Shirley Elizabeth

I am so happy with Embrace

I am so happy with Embrace. I took my Miniature American Shepherd to the vet because he wasn’t eating any food, to which we attributed to anxiety. The total charge was $533.68 including the Exam/Consult, Biohazard OSHA Compliance, and all of his vaccinations and medications- including his annual vaccines. This was all covered by Accident and Illness plus the Wellness Rewards in full. It took a total of 21 days for the entire process, the longest of it being the vet’s response to my claim with Embrace, but the app kept me updated with every step. I am happy and satisfied. Thank you Embrace!
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5

out of 5

POSTED: | BY: Paul G

As a former Territory Partner for…

As a former Territory Partner for Trupanion, I was extremely pleased with the sign-up process at Embrace and the coverage options. My daughter is an emergency room veterinarian, and she found out about Embrace from fellow employees. She recently had to utilize the policy due to her dog being bitten by a rattlesnake. Embrace came through as promised. This sealed the deal for me when adopting my new puppy.
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5

out of 5

POSTED: | BY: Melissa Thompson

The claims process was so easy…

The claims process was so easy…it almost didn’t feel real! Honestly, I was about to cancel as I was sure our dogs surgery wouldn’t be covered, but it was and now I’m a customer for life :)
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5

out of 5

POSTED: | BY: Tyquain Mcclellan

Get Pet Insurance

It was a quick and easy process to input my 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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