Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: David Sahm

This is our first claim experience so…

This is our first claim experience so the process so far is easy. We will let you know when it is completed.
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5

out of 5

POSTED: | BY: Brian Forn

Great piece of mind that helps me take…

Great piece of mind that helps me take care of my fur babies.
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5

out of 5

POSTED: | BY: Brandon K.

Excellent turnaround time

Excellent turnaround time, clear and open communication.
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5

out of 5

POSTED: | BY: Kevin Spruill

My dog had unexpected pain in his leg…

My dog had unexpected pain in his leg and well vet costs are skyrocketing. I sent in my vet bills and proceed my claim within two weeks. Very satisfied!
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5

out of 5

POSTED: | BY: Nicole Yeates

Who knew an insurance company could be AWESOME?

It is rare that I can say that a company has fully delivered on its word, but my experience with Embrace has been that. Every claim has been paid appropriately and very quickly without a fight (from an insurance company? Who knew?). Every time I have contacted them for a pre-approval (which I was even told wasn’t necessary but I could do if I wanted), people at Embrace have been friendly, helpful, and genuinely seemed to want what was best for both my pets and myself. I can’t say enough good things about my experience with Embrace thus far.
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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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