Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
1

out of 5

POSTED: | BY: Larry

Very expensive and raised my rates…

Very expensive and raised my rates double and I'd never filed a claim in 3 years of having the service. My dogs are in excellent health and we never reached out to them for anything. Ripoff. Go with someone else.
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5

out of 5

POSTED: | BY: Karen Grant

It was easy to submit my invoice.

It was easy to submit my invoice.
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5

out of 5

POSTED: | BY: BJR, Tyler, TX

Trust in Embrace

The claim on my dog’s surgery was easy to submit and processed incredibly promptly (3 days). I’ve shared the experience with other pet owners and highly recommend Embrace.
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5

out of 5

POSTED: | BY: Frank Rivera

Great Insurance That Is Reliable

We had to recently take our 1 year old puppy to the ER. I was a little hesitant to take him as ER bills can be very expensive. But I knew that Embrace would be able to cover some of the costs. I submitted a claim, and within weeks they had reimbursed me for the bill. They are truly an awesome insurance for your pet.
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5

out of 5

POSTED: | BY: MAB

Good program

Starting out with Embrace was a little challenging as I did not complete the initial physical check and thought we had so my first claim was denied. However, after that everything has gone smoothly. They pay for my dogs medication and exams for her ears and itching. It’s easy to file online and I get reimbursed quickly.
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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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