Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
4

out of 5

POSTED: | BY: Brian Ross

Great catastrophe insurance

Great catastrophe insurance, but nothing else. Veterinary medicine has improved over the last two decades but the costs have soared. Well care that’s offered here is really more of a useless and expensive savings account. Their system is well built and they’re highly responsive. It would be nice if they had some coverage for cradle and grave issues, like spaying/neuter, and end of life. Prices are reasonable considering the little that you’ll really get unless your pet is ill or injured.
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5

out of 5

POSTED: | BY: Jordan Stack

Easy & Quick Process

Claim and reimbursement process is easy and straightforward
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5

out of 5

POSTED: | BY: Ivannelis Colon

Adore this company and their service…

Adore this company and their service for over a year now and plan to stay for many more. They work fast, efficient and swiftly. No hassle, stress free and everything about Embrace is super easy!!! Love love love !
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5

out of 5

POSTED: | BY: Kelly Bowers

Efficient and Simple Claims Process for Both of Our Dogs

We now have two dogs, a six month old rescue Chihuahua and our 9+ year old English Labrador. Embrace handles claims for both with ease and responsiveness.
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5

out of 5

POSTED: | BY: Karen Q

Super easy online claim process

Super easy online claim process. Checks arrive quickly!
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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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