Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Barbara

Good all around

Very easy to submit claims. They tell you up front what won't be covered; they pay immediately and without quibbling for things that are not excluded. The cost went up after a year, but not much, and I'd had a number of claims in my pup's first year.
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5

out of 5

POSTED: | BY: Lucas MacDonald

Insurance is expensive but Embrace has…

Insurance is expensive but Embrace has always made it easy to submit a claim and work with
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5

out of 5

POSTED: | BY: Robert Blum

simple and easy with good instructions.

simple and easy with good instructions.
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5

out of 5

POSTED: | BY: Betty Smith

Filing claims is easy

Filing claims is easy. And when I do have to speak to a representative they are always personable but professional, and always so helpful. Their plans are customizable and affordable. I highly recommend.
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5

out of 5

POSTED: | BY: Anthony Bodnar

Claims are processed the next business…

Claims are processed the next business day. Excellent service!
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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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