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: Nancy Entwistle

This system is so much easier than most…

This system is so much easier than most human claim portals - thank you for making this very easy to submit.
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5

out of 5

POSTED: | BY: Kathryn

Easy claims process

So easy to file claims and Embrace stands by their insurance. No squabbling just paid their portion. Totally worth the premiums.
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5

out of 5

POSTED: | BY: Lisa S

Quick and easy to submit a claim

Submitting a claim is relatively straight forward. Minimal effort, thankfully!
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5

out of 5

POSTED: | BY: Marissa Dutton

CCL Surgery and PT Coverage!

Our baby needed to have CCL surgery and Embrace covered 90% of the over $5k costs, and her aftercare physical therapy. I filed my claim Monday morning and they had it completed and reimbursed the next morning. I was amazed at how quickly they helped! Thank you so much, Embrace, I'm recommending everyone I know to insure their pets through you!
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5

out of 5

POSTED: | BY: Linda Rast

Embrace Pet Insurance handles our claims efficiently and professionally

Embrace Pet Insurance handles our claims efficiently and professionally. They notify us as soon as the claim is completed and provide us with a complete explanation of the benefits. We are very glad we chose Embrace Pet Insurance!
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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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