Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,890

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: J Ostergren

Easy to submit claims and they are very…

Easy to submit claims and they are very fast to respond and very thorough in explaining all information. They are great!
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5

out of 5

POSTED: | BY: Michael Coleman

Easy to file claim with clear…

Easy to file claim with clear directions.
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5

out of 5

POSTED: | BY: AL

Love Embrace!

Love Embrace! They make it so easy on the owners. Have had the plan for 10 years, highly recommend.
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5

out of 5

POSTED: | BY: DustinB

Easy and quick claims process!

Easy and quick claims process!
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5

out of 5

POSTED: | BY: Paul Jackson

Many claims, no problems.

I got embrace 5 years ago when he was a pup. Since then, he's had a large number of health issues and embrace has paid every claim as promised, including a couple years where we maxed out benefits. The first year that happened, I expected them to refuse to renew the policy or bump the premium a lot. Didn't happen. If I could give embrace 10 stars, I would.
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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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