Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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.
4

out of 5

POSTED: | BY: Stefan B.

Very simple and easy to use website for…

Very simple and easy to use website for information and claims. Customer service is responsive and was very helpful.
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5

out of 5

POSTED: | BY: Mozzer

Fast response

Fast response, detailed explanation of benefits, friendly service, reimbursement arrived via direct deposit. I feel very good about my monthly insurance payments because I know that Embrace will be there when vet bills come up for a senior kitty.
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5

out of 5

POSTED: | BY: Krystal Phillips

Embrace has been so helpful

Embrace has been the least stressful aspect of owning a pet, haha. Our one year old cat has had a very stubborn bacterial nail bed infection that has quickly added up to over $1500. Embrace has made it so easy to file claims and reimbursement is fast! Thanks embrace.
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5

out of 5

POSTED: | BY: Gabrielle Manus

Glad I have Embrace pet insurance

I've had Embrace insurance for my cat for a few years now. My only regret is not getting it sooner. He had dental issues before I signed up for Embrace and pet insurance won't pay for pre-existing conditions, but it has paid for everything that he's been to the vet for since. Vet care is expensive and I get 80% reimbursement with his policy so I don't hesitate to get him the best care. It's really easy to make claims through the app as well.
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5

out of 5

POSTED: | BY: Ton y

Its our first claim and the submission…

Its our first claim and the submission is easy and simple.
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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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