Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Char Ouchi

They show they care

I was ready to cancel coverage for my 2 cats however I was convinced in an honest and caring way that Embrace would be able to work with me. And sure enough my concerns and issues were understood and met with compassion. They have helped me so much with my cats' medical expenses. They are the best!
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5

out of 5

POSTED: | BY: Customer

quick response with insurance.

quick response with insurance.
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5

out of 5

POSTED: | BY: Mary Badame

Been with embrace since 2021 the best

Been with embrace since 2021 the best, up front cost, no hidden prices, covers and pays my claims quickly. I'm so very very pleased tou keep my babies healthier
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5

out of 5

POSTED: | BY: Christine Viteo

It was super easy to submit the claim

It was super easy to submit the claim. Clear instructions,
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5

out of 5

POSTED: | BY: Mike

Easy and quick

Very easy to submit claims with very fast processing and reimbursement
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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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