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.
3

out of 5

POSTED: | BY: Adam Jernberg

My first pet insurance ever and within…

My first pet insurance ever and within the first 2 months they tried lying to my vet and made up an illness my dog had that was according to them pre existing. Even my vet ci facets 3 times to tell then no this dog does not have this illness and it took them 2 months to figure that out meaning my visits weren't covered until this was resolved. Other than that no complaints I guess ..
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5

out of 5

POSTED: | BY: Renate Gase

I love Embrace

I love Embrace. They have great rates and are so easy to work with!
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5

out of 5

POSTED: | BY: Amanda Cavazos

Super easy to submit claims

Super easy to submit claims. So thankful I got insurance for my babies. You never know what can happen and I’m thankful I don’t have to worry much about the cost.
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5

out of 5

POSTED: | BY: Jennifer DesMaisons

The website was very user friendly and…

The website was very user friendly and the staff who answered my calls were very kind and professional.
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5

out of 5

POSTED: | BY: Kady Ellifritz

Embrace pet insurance is great

I have filed four claims for two pets with Embrace and thus far have received excellent service, timely responses, and quick reimbursements. The app is simple and straightforward to use, as is the website. I have referred several friends and family members to Embrace, and at least two have purchased policies.
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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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