Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,317

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: Sandee Lauer

Embrace took great care of my family…

Embrace took great care of my family and pet. Claims were very easy and staff was great to work with. Thank you for everything!
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5

out of 5

POSTED: | BY: Onnalee Ricci

The follow up answered all my…

The follow up answered all my questions. I am pleased with the coverage I selected for my puppies.
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5

out of 5

POSTED: | BY: Carla Graubard

Fast easy claims process

Fast easy claims process. Invoices processed quickly and speedy reimbursement.
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5

out of 5

POSTED: | BY: Tiffany Windish

THE Best Pet Health Insurance

I have been an Embrace customer for 7 years, through 2 dogs, and have made thousands of dollars' worth of claims (my first dog covered was an aging Lab whose health deteriorated rapidly--and expensively--in the final year of her life.) Through it all, Embrace has always provided impeccable, flexible, caring and compassionate service. And the website and claim submission system are super easy to use.
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5

out of 5

POSTED: | BY: Kim D.

So far so good

So far so good! Only been a customer for 5 months, but have unexpectedly had to make a claim for one of my pups. Not only are claims processed within days, any time I've had a question or needed advice, every customer service agent has been friendly and very knowledgeable.
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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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