Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Keri Alberghini

There is no fine print!

My cat had urinary blockage issues and I had several emergency room visits which eventually led to him having PU surgery. The cost of everything togther was over $9,000 and Embrace reimbursed me for 90% of that (minus $100 deductable). It was truly amazing! I can't say enough good things about them. I have recommended them to everyone.
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5

out of 5

POSTED: | BY: Roberta

Easy claim filing process

Easy claim filing process. Quick payment. Good communication.
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5

out of 5

POSTED: | BY: Laveda Scott

My claim was processed quickly and…

My claim was processed quickly and efficientlyll Absolutely easy. Am totally satisfied with Embrace.
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1

out of 5

POSTED: | BY: No

They raised my rate 67% despite having…

They raised my rate 67% despite having no claims and a pet under 4 without any health issues. They also did a bait and switch where they said if I made no claims for the year I’d get my deductible lowered by $50 each year I didn’t have a claim. Then as soon as I was eligible for said deal they said it was no longer available.
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5

out of 5

POSTED: | BY: Renee James

Embrace Your Pet with Embrace Insurance!

Embrace has been awesome! I have a senior cat and was having trouble finding coverage. I wasn't sure what to expect, but they have been amazing! The process of filing a claim was easy, and if I was eligible for reimbursement, I got it quickly. Thanks 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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