Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Rachel H

Very grateful for this insurance!

Embrace answered my call and I was able to speak with a friendly CSR within 3 minutes. They gave me the info I needed very quickly. My claims were paid out within 3 weeks, which is not super fast, but they did it with minimal effort on my end so that was nice.
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2

out of 5

POSTED: | BY: kadventure kadventure

Slow to pay/approve claims without…

Slow to pay/approve claims without providing an acceptable reason for doing so.
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5

out of 5

POSTED: | BY: Christina Vernagelli

Love this insurance

Always so helpful and make claim processing and understanding coverage so easy and clear. I love that they offer wellness plans with the insurance!
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5

out of 5

POSTED: | BY: John Burleson

Embrace is the best …

Great pet insurance company. So very glad we decided to get Embrace.
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5

out of 5

POSTED: | BY: Dean

Excellent Embrace Embrace pet insurance stands by their…

Embrace pet insurance stands by their policy. Seldom do you find an insurance company that is true to their word & you gets what you’re paying for. My cat became diabetic and it was good to know that they were there for me. They processed my claims and we’re very friendly on the phone.
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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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