Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: SherriM

Great claim experience the last time

Great claim experience the last time, submitted it one day and it was in my bank the next day. I have no idea how they turned that around so fast. It was like magic! Thanks Embrace!
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5

out of 5

POSTED: | BY: Pamela Allison

The BEST Pet Insurance!

We have had our dog enrolled with Embrace for 10 years. The policy has worked quite well for us and I can’t say enough good things about Embrace. Claims are paid very quickly. We are very happy
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5

out of 5

POSTED: | BY: Ronald Sommer

I spent a lot of time looking at seven different companies.

Reasonable pricing. It is easy to submit a claim (unfortunately, I know about this, but Gigi is fine!). I wish the wellness program was a little better.
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5

out of 5

POSTED: | BY: Craig

Claim paid in a timely manner

Claim paid in a timely manner
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5

out of 5

POSTED: | BY: Barbara Sills

Caring for my old dog

I have a very old dog who is needing emergent and routine care. Embrace never quibbles about the cost and reimburses me promptly. I know it is expensive as the pet gets older but I have peace of mind that I will be able to afford all pertinent treatment to keep my beloved pet alive with pain-free quality of life. Without this wonderful insurance I may have had to make different and painful decisions regarding her care. I thoroughly recommend Embrace for your pets.
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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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