Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Anastasiya Viarouka

I am not sure what I would do without…

I am not sure what I would do without this insurance for my little mixed frenchie! They are the best!
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5

out of 5

POSTED: | BY: Nicole Allard

This was my first claim

This was my first claim, and I was dreading it - and putting it off. But, the process was so easy. It took less than ten minutes, and all of the follow up with the vet was coordinated by Embrace. It was filed, reviewed, and paid within a week! I will definitely be recommending Embrace to other pet owners.
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3

out of 5

POSTED: | BY: Delores Nieboer

I am happy with Embrace!

I am happy with Embrace though these would be fair changes to see in future. Faster turn around for reimbursement. Direct payment of promised coverage from Embrace to Vet on the day of appointment would be the best case scenario. Sometimes for surgery, x ray , etc it’s too costly up front for pet owners.
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5

out of 5

POSTED: | BY: Alicia Oneill

Every person I have interacted with has…

Every person I have interacted with has been so informational and so supportive. 10/10 recommend Embrace!
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5

out of 5

POSTED: | BY: Olchik

Nothing but the good to say

Nothing but the good to say. Sign up was easy, prices are good, app works great and claims are being reviewed quickly. Thank you!
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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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