Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Barbara Breuer

First claim - cat

This was the first time I had sent in a claim, and I hadn't expected to make a claim just a few months after getting insurance. My young cat was vomiting and would not hold anything down. Embrace explained the process could take 30 days or more for a first claim because of the information they had to get from the vet. It took a bit longer; however, they kept me in the loop throughout the process. Once approved, the money hit my bank account the next day. Hopefully, I will not need to make another claim, but having the insurance when I needed it was good.
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5

out of 5

POSTED: | BY: B.J.

Great experience with Embrace!

Our puppy required surgery and Embrace paid for over 70% of our costs in a timely fashion.
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5

out of 5

POSTED: | BY: Kathleen Solbrig

Easy to file claims

Easy to file claims
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1

out of 5

POSTED: | BY: Nope

Forced to write a review before I can…

Forced to write a review before I can submit a claim. Will update
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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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