Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Janie Parras

Embrace was definitely the right choice for our fur baby!

We are new to Embrace. Everyone we have communicated with is very friendly, welcoming, and knowledgeable. Submitting a claim is so easy. Thank you!
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5

out of 5

POSTED: | BY: Sandra G

The online filing a claim was very easy…

The online filing a claim was very easy to do. This is the first claim in 5 years. Simple and easy to understand.
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5

out of 5

POSTED: | BY: Don Stevens

Super easy process

Super easy process. Platform very user friendly
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5

out of 5

POSTED: | BY: Kathy Lachance

Worth it for my piece of mind

Polite people, helpful. No surprises or hidden non coverages. The claim is easy to upload and the refund submitted without issue. When your pet is in distress, the last thing you need to stress over is the payment. Embrace takes the worry away for us.
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5

out of 5

POSTED: | BY: Dar Maxwell

Embrace is very efficient

Embrace is very efficient and the communication is so pleasant. They process a claim quickly so I can feel reimbursed fast.
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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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