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: Daniel Riordan

I've had an unfortunate run of bad luck…

I've had an unfortunate run of bad luck the last few years and Embrace has always stepped up in a fair and timely manner 🙏
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3

out of 5

POSTED: | BY: Sandy Reside

Up loading of info is very slow

Up loading of info is very slow. Monthly payments and deductible is too expensive. There should be a discount if we have more than one pet under embrace. Seems like an upgrade to claims process is in order.
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5

out of 5

POSTED: | BY: Alan Goodman

Embrace makes it very easy to submit…

Embrace makes it very easy to submit claims and pays them promptly. Whenever I have had a question they answer quickly. Very easy to work with Embrace.
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5

out of 5

POSTED: | BY: Chris

This was my first submission—the…

This was my first submission—the process was easy and quick. Will update once my claim has processed!
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5

out of 5

POSTED: | BY: Shirley Busch

easy to use web site and claim process

easy to use web site and claim process
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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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