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.
5

out of 5

POSTED: | BY: Deette Hundsrucker

Quality pet insurance company.

I filed two claims this year with Embrace Pet Insurance. One was for a surgical procedure for my dog, and the other was for an illness and testing for my cat. Both times, receipt of the claim was acknowledged within a day or two, and payment authorized within a week, along with receipt of payment for covered expenses in a timely manner. It gives me peace of mind knowing I can afford to give my pets quality care with the help of this company.
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5

out of 5

POSTED: | BY: Sherry Tauber

Easy online claim portal

Easy online claim portal
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5

out of 5

POSTED: | BY: Jan

LOVE this pet insurance!

LOVE this pet insurance!! I have referred all my friends!
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5

out of 5

POSTED: | BY: Ken

Filing a claim has never been easier

Filing a claim has never been easier or as fast. Excellent website with easy to follow instructions. Only my second time filing a claim and it was superior.
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5

out of 5

POSTED: | BY: Kelli Stephens

Very Happy Pups and Humans!

We have been customers for over two years now. During that time we've had two claims and the process it so simple! The customer service has been great and always very good at getting back to you quickly with any additional questions, if needed! I would definitely recommend Embrace!
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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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