Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Yvette Lagrandeur

I absolutely love Embrace

I absolutely love Embrace! I will always have them as my insurance for my babies. I had Nationwide before, and it was horrible! A friend referred me to Embrace, and the two companies are like night and day. Always willing to help and answer questions.
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5

out of 5

POSTED: | BY: Benjamin Nelson

Easy to use

Easy to use, hassle free and quick upload data sheets
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5

out of 5

POSTED: | BY: Leticia Tascian

Claim easy to complete and follow…

Claim easy to complete and follow instructions.
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5

out of 5

POSTED: | BY: Paul

Very easy to submit wish human…

Very easy to submit wish human insurance was this easy. Get checks back fast makes the high cost of pet medical easier and I like the peace of mind knowing I won’t have to go broke should something serious come up. I can put my pet’s health first and not have to decide can I afford certain medical treatments.
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5

out of 5

POSTED: | BY: Lisa Ward

Good coverage and fast reimbursement

Very happy with all the plan options Embrace offers for our dog. We chose a higher tier to help ensure all our basics would be covered. Submitting a claim is easy using their app and all our claims have been processed in a matter of days, not weeks.
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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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