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: Davis

BEST OF THE BEST

Cant say enough good about EMBRACE. Ive never ever had an issue with a claim and my claims were in the thousands! Most recently an operation to remove a tumor costing over 5k they paid 90% after my meager $200 deductible.
2

out of 5

POSTED: | BY: Laurie Reti

Too complicated

I have had pet insurance with a different company prior to choosing Embrace and honestly I wish I had insured my cats with a different company. I find Embrace so complicated, more work than I have time for to manage my cats insurance. I had Healthy Paws before And I may return to them.
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5

out of 5

POSTED: | BY: Lisa March

Easy to use the platform

Easy to use the platform
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4

out of 5

POSTED: | BY: JW

To submitted a claim with ease

I submitted a claim with ease, except mild confusion with the diagnosis landing page...not clear on what I should detail.
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5

out of 5

POSTED: | BY: Mary Martha B

Thankful for Embrace!

Super simple and takes the stress off an already stressful time!
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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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