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: MT

Direct deposit is the way to go

Direct deposit is the way to go! Much more efficient for reimbursement. Still a little slow in processing claims though.
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5

out of 5

POSTED: | BY: Mercede

Claim for my Cat daughter

Fast and easy way to submit my claim and I got the money refunded in about 1-2 weeks. I’m happy I got embrace when my cats were little kittens!!
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5

out of 5

POSTED: | BY: Maragret Moscato

Dry easy to make a clam

Dry easy to make a clam, received my check fast. Thank you I would recommend you to anyone looking for pet insurance
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3

out of 5

POSTED: | BY: Matthew Tollin

My first payment took way too long to…

My first payment took way too long to process. And I find my rates expensive vis-à-vis other insurance. And that’s with a corporate discount. Having said that; they did end up covering everything. So that was good.
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5

out of 5

POSTED: | BY: LS

Have had Embrace for over 10 years and…

Have had Embrace for over 10 years and recently lost my two senior pups within a year of each other both with health complications. The outstanding service and support exceeded all my expectations. I dealt with compassionate reps each time and the follow up and assistance was fantastic. I can't express my appreciation for how I was treated during very difficult months and losing our beloved fur babies. A life long customer and highly recommend.
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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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