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: Ashley Wright

Having Embrace helps with peace of mind…

Having Embrace helps with peace of mind when my cat needs to see the vet. Embrace make submitting claims easy, and has saved me so much money over the long run from unexpected illnesses.
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5

out of 5

POSTED: | BY: Bernice

The whole process of filing a claim is…

The whole process of filing a claim is easy to navigate
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5

out of 5

POSTED: | BY: Bob Metcalf

cliams people got back to me fast

cliams people got back to me fast
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5

out of 5

POSTED: | BY: Cam

Easy to use

We have had our puppy 3 months and used it twice. Easy to submit claims. Everything processed quickly.
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5

out of 5

POSTED: | BY: Fatima Farias

I have 5 pomeranians

I have 5 pomeranians and are all covered through embrace. I don't submit many claims because I take care of my pups very well. But the times I have the process to submit a claim was so smooth and easy. They keep me updated and I can also keep track on the app. My claims were approved in a timely manner and they offer direct deposit. The prices are great and the customer service is good too. As far as insurances go I am very pleased with embrace.
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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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