Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: George Charlton

Definitely worth it to me.

Got plan for peace of mind in case of big cost dog care. I didn’t need anything for a while, but when I did they took care of things. Easy to submit claims online. Definitely worth it to me.
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1

out of 5

POSTED: | BY: Mark Folsom

Worst pet insurance ever

Worst pet insurance ever! Terrible experience with this company.
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5

out of 5

POSTED: | BY: Judith Maves

Excellent experience

Excellent experience. Quick response time. Compassionate adjusters.
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5

out of 5

POSTED: | BY: Joyce

Easy claim process and high reimbursement

100% 5-star pet insurance! I compared Embrace with many providers for my 8+yr cat. Embrace provided low deductible ($250), high reimbursement rate (90%), and unlimited refunds with the cheapest quote. Not long after I got Embrace, Misty experienced severe dental problems which were later found to be caused by a tumor. She didn't make it but Embrace managed to cover most of the extremely high bills and sent a warm regard. Highly recommend it!
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5

out of 5

POSTED: | BY: Ann

Highly recommend Embrace Pet Insurance

Highly recommend Embrace Pet Insurance! It was easy to navigate a claim to Embrace and it took 3 weeks to get reimbursed.
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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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