Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,774

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: CHRISTINA

Super fast reimbursement!

The turn around time from the time I submitted my claim/receipt and when I received my reimbursement in my checking account was amazingly fast. Much faster than our human medical insurance processes claims.
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5

out of 5

POSTED: | BY: Pauline D

Ease of submitting claim

Ease of submitting claim
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5

out of 5

POSTED: | BY: Joe

A most satisfying experience

A most satisfying experience! Filing the claim is a matter of simple uploads, and the payments were received the day after adjudication and sent direct to our bank. Highly recommend them.
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5

out of 5

POSTED: | BY: Adelita Candelaria

The very best pet insurance

The very best pet insurance! They are prompt and make everything super easy for you and your pet family! Submitting a claim only takes a moment and the turn around time is less than 72 hours. Very happy with Embrace and will continue to use them for all my future pets!
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5

out of 5

POSTED: | BY: Joyce Gilmore

Submitting a claim was easy

Submitting a claim was easy. Waiting to see what the outcome of the submission is now.
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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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