Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Stephen

Easy to use

Pretty easy to upload a claim. I haven't received my first refund check, but I was told that it's on the way. Straightforward user experience. Very simple.
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5

out of 5

POSTED: | BY: Ethan Dark

Submitting a claim is super easy

Submitting a claim is super easy, and they process claims really fast.
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5

out of 5

POSTED: | BY: Happy client

Excellent Customer Service

Excellent Customer Service. Simple, easy and such a great investment, takes the stress out of deciding what is best for our dog.
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1

out of 5

POSTED: | BY: Gabriela Quintero

Bad insurance We don't recommend

Bad insurance We don't recommend
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5

out of 5

POSTED: | BY: Tanya Meacham

Great experience so far

So far, my experience with embrace has been terrific. Their claims process, online and through the app, is simple and the reimbursement is quick. You can set up a direct deposit for payment and the money is in your account in a week.
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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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