Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,769

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: Glenys Chaput

Submission of claims were easy!

The submission of our claims was easy, and the fast response was very much appreciated. I would definitely recommend Embrace to anyone. Warmly, Glenys Chaput
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5

out of 5

POSTED: | BY: Michelle Swan

I recommend embrace because they are…

I recommend embrace because they are quick with the claims and the premiums are great. We make a yearly payment for our 4 dogs and save 5%.
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5

out of 5

POSTED: | BY: Andrew Sutinen

We've been with Embrace for many years…

We've been with Embrace for many years and are pleased with their quick and responsive service to our claims. Great pet insurance company.
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5

out of 5

POSTED: | BY: Lyn B

Quick claims response

My golden required emergency surgery for a gastric obstruction. It was very expensive and I had to pay emergently without knowing whether his insurance would cover the evaluation and treatment. Embrace responded rapidly to my 2 claims and the checks actually arrived before my dog had the incision staples removed. No unnecessary questions or conflicts about the costs. I really appreciated their approach and timeliness. It helped make a traumatic experience less stressful.
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5

out of 5

POSTED: | BY: Michael Pugh

Everything worked out fine

Everything worked out fine
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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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