Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jessie lynn

Great!

I've had this insurance for a little over year. I started with my cat Bandit, who is now 10 years old. So far, bandit has not had any problems, but his Wellness visits were covered. I also added my other cat, shadow, shortly after adopting her. She turned out to be a bit of a problem Kitty. Thankfully when I found her she was only a few weeks old, and did not have any pre-existing conditions before I put her on the insurance plan. We had a few bumps in the road with her needing some vet appointments in the beginning, and I was reimbursed some of the money for those appointments. When you have to continuously take your kitten in for vet appointments, those prices start to add up. I can honestly say I'm really happy with how this insurance works. The only thing I wish, was that they would let me add my ferrets. Other than that, I have a great plan with embrace!
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5

out of 5

POSTED: | BY: Annika Dahl Roner

My experience was fast and easy

My experience was fast and easy. I was reimbursed about 50% !! I was very happy with that!
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5

out of 5

POSTED: | BY: RB

Great company

Great company. No strings attached and straight forward. I wish my health insurance was as good as this.
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3

out of 5

POSTED: | BY: Amanda

I had to do a review before submitting…

I had to do a review before submitting my claim
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5

out of 5

POSTED: | BY: Gayle

easy to understand and submit claims on…

easy to understand and submit claims on website
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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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