Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Marilyn Johnson

I just submitted a claim

I just submitted a claim, very easy process online. I will update as the claim is processed, but so far I'm very impressed with the ease of the process.
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4

out of 5

POSTED: | BY: Judy Johnston

Quick

Quick and easy but site a little slow
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5

out of 5

POSTED: | BY: Julia

Surprised by the ease and efficiency.

First pet insurance we have had, even after 30 years of pets. Thought we would have it for catastrophic need, but decided to file for smaller (but expensive) procedure. Was VERY pleased with the ease of filing, and the promptness of our reimbursement.
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5

out of 5

POSTED: | BY: Cassie Stanton

It was so easy

It was so easy, just placed the claim and waited for a few days. I really didn’t have to do any more than that, it was great!!!
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5

out of 5

POSTED: | BY: Shay B

Have been using Embrace for 8 years now!

I've been using Embrace since 2016. They have always taken care of my pets and I, providing great and easy coverage whenever and however we need it. Their customer service is top tier, and they've never turned down any coverage for my fur family. I love the changes and how easy it is to submit a claim and receive payment now! I'm so glad I found you guys 8 years ago, I can't imagine better insurance for my boys!
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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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