Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Lindsey Fincher

Exceeded expectations

The claims process was quick, efficient, easy and very fast. The claim was processed within 24 hours and the reimbursement was received within a couple days. Very happy with the entire process.
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5

out of 5

POSTED: | BY: Scott Williams

Super easy submitting claim.

Super easy submitting claim.
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5

out of 5

POSTED: | BY: Elise Barrett

Embrace delivers

Embrace delivers! I constantly have excellent service from awesome people. They are fast, efficient, and alerts kind and professional. As long as I have pets, I will have embrace. Elise B
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5

out of 5

POSTED: | BY: NM

I am 100% happy and grateful for Embrace Pet Insurance

This is my first experience with pet insurance and I could not be happier with Embrace. After my dachshund was diagnosed with a significant issue, I crossed my fingers that the coverage would kick in and that it would be a seamless and easy process. It has been both simple and easy. I've submitted several claims and all of them were reviewed the day they were submitted and paid that same day. Every call I've had with them has been very helpful and pleasant. They are responsive and seem to really care about my dogs care and my experience. I wish my own personal insurance was as easy!
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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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