Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Tammy B

Grateful to have pet insurance

I am a disabled veterinarian that has had embrace for over 5 years. I've had over 30k in claims, for 2 animals with cancer and chemotherapy, and a blocked cat -never mind routine vomiting and lameness issues. I am comforted that I never have to turn down recommended diagnostics or treatments, and embrace has never declined a claim. Their employees have always been great to work with.
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5

out of 5

POSTED: | BY: Elizabeth W.

Very easy to submit

Very easy to submit! Took less than 5 minutes...
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5

out of 5

POSTED: | BY: faasaviliga tafao

Easy to submit claim

Easy to submit claim. Quick response to filing claim. Clear explanations regarding claim.
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5

out of 5

POSTED: | BY: Jennifer Mc Caughtry

It was quick and easy to file a claim.

It was quick and easy to file a claim.
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5

out of 5

POSTED: | BY: Rachel Quinn

Easy Claim Process and Amazingly Quick Processing/Refunds

I am constantly impressed with how easy it is to submit a claim and how the claims are processed at lightning speed. I am very grateful for 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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