Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,795

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: Cynthia L

Thumbs Up for Embrace

Have had Embrace insurance for my buddy for a long time. have not had to make many claims but when I have it has always been simple and pleasant. I so appreciate this.
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2

out of 5

POSTED: | BY: Deetee

EMBRACE stalls and does reply as to why…

EMBRACE stalls and does reply as to why my claims are not paid
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1

out of 5

POSTED: | BY: Christian Bottella

My dog had eaten a bunch of my chicken…

My dog had eaten a bunch of my chicken eggs causing her to get a case of chronic pancreatitis. Embrace is saying this is a pre existing condition! I don’t understand how this can be pre existing when she has never shown sings of this before or after she was treated. Now they are not paying me any insurance money but have gladly excepted my payment for the policy twice . This has been going on since 2/7/23.
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5

out of 5

POSTED: | BY: Brie Z

Great in emergencies, swift & easy processing

We got insurance when we got our puppy in 2020, and this year I was starting to wonder if it was worth renewing since we never use it. Until... we had a big scare and needed to bring our dog to the Emergency Vet for an overnight stay and treatment. The claims process was SO simple and they sent a reimbursement check quickly. I'm grateful we had the insurance and I'm VERY happy with the swift claims/reimbursement process.
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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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