Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Lyssa Redoble

So Far The Best Pet Insurance Out There!

Been a customer since 2020 I believe. So far customer service has been great and the processing of claimed are pretty quick. Only downside is my dog had some few pre-existing conditions when I signed up. But so far coverage for everything is decent. Especially with adding wellness rewards and being able to have alternative care (hydrotherapy, acupuncture, etc) is great! Love the referral bonuses as well! The prices and coverages still beat the competitors.
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5

out of 5

POSTED: | BY: Darryl Lee

Hassle Free

Took my pet to the vet and ended up with a bill for over $200. Filed a claim and after about 2 weeks, received a check for the service less the deductible. No hassle, no questions.
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4

out of 5

POSTED: | BY: Jeremy Clark

Made writing claims easy and fast.

Made writing claims easy and fast.
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5

out of 5

POSTED: | BY: Tracy

Easy claim submittal and prompt payments

Easy claim submittal and prompt payments
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2

out of 5

POSTED: | BY: mlg

Pet Insurance is extremely expensive.

Pet Insurance is extremely expensive.. especially if you have more than one pet.
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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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