Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Timothy

The claim I submitted was handled by…

The claim I submitted was handled by the agent very quickly and fairly. All of the charges and payments were described well.
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5

out of 5

POSTED: | BY: Donna D

This company is a pleasure to work…

This company is a pleasure to work with. It is easy to submit a claim and a representative is always there to help you. They don't just deny a claim, they talk to you first to explain the situation and many times they will try to resubmit the claim for you.
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5

out of 5

POSTED: | BY: S Y Kuchenbecker PhD

Having a sick kitten is scary

Having a sick kitten is scary, but EMBRACE Pet Insurance removes the financial worries. So easy to file a claim. My veterinarian and her staff supply all the receipts by date for filing a claim and reimbursement is as promised!
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5

out of 5

POSTED: | BY: Stephanie Marsh

Has been a life saver with my special…

Has been a life saver with my special needs frenchie! Easy claim process
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5

out of 5

POSTED: | BY: Greg Lincoln

Embrace has been better insurance than…

Embrace has been better insurance than some of the policies I have had for myself
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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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