Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Jeanna Bini

Easy process & some feedback

Easy process. It'd be good to have some directions re: submitting claims for the wellness rider and the normal insurance policy. Is it one submission for both, two submissions with an annotated invoice for each one, etc. A little note/reminder on the submission page would be sufficient I would think.
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5

out of 5

POSTED: | BY: Jambrea

Great Company

Embrace Pet Insurance is so easy to work with and I'm happy I picked them to insure my cats. I would highly recommend.
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1

out of 5

POSTED: | BY: Eli Fry

Have been a member for years - and left out to dry

Have been a member for years, and went to file my first claim ever. Services were provided in June of 2022, and I tried submitting for reimbursement in Dec of 2022, and was told that it had been too long past. So was completely left out to dry with no willing to help. Warning, do not use this company.
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5

out of 5

POSTED: | BY: Ferus Artisan Ales

Uploading claims could not be easier!

Uploading claims could not be easier!
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5

out of 5

POSTED: | BY: Ed Ferris

Embrace has been great

Embrace has been great! Claims are processed quickly. The customer service is amazing and best of all they care about my pet! I highly recommend Embrace.
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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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