Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Rebecca Waddington

Surprisingly good

Unfortunately, I lost my cat after a hard-fought battle with cancer. The representative was extremely caring and walked me through how to remove him from my insurance and the timeline I had to submit claims. I honestly didn't think I'd be reimbursed because of a potential pre-existing condition, but they have acepted every one of my claims. No amount of money will ever bring my baby back, but it eases the financial stress.
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5

out of 5

POSTED: | BY: Phoebe Bocchinfuso

Submitting a claim is fast and easy

Submitting a claim is fast and easy. Embrace makes pet insurance not so scary!
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5

out of 5

POSTED: | BY: Jennifer Morris

Easy claim submitted.

Easy claim submitted.
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5

out of 5

POSTED: | BY: Donna

Amazing customer service

I called with a question and spoke to an agent right away who was very helpful and courteous. Submitting a claim was very easy and the response was prompt. Having this insurance has made this terrible experience with our pet a little bit easier.
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5

out of 5

POSTED: | BY: Gavin Dodd

Very easy to submit a claim

Very easy to submit a claim
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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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