Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,001

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: Jennifer

Embrace insurance is a joke!

I would not recommend this insurance to anyone because this insurance did not help to pay for my 11 month old puppy one bit when he was having GI problems for a while. I have been wasting $60 a month plus $1000 deductible. It’s a joke really.
5

out of 5

POSTED: | BY: RB

Best decision ever!

We purchased insurance from Embrace the first six months after the "new arrival" came home, hoping to never use it. We have....twice. At this point we are over $1,000 ahead after deducting the premiums. So glad we purchased it.
5

out of 5

POSTED: | BY: Jane

Embrace is responsive and timely.

Embrace resolved my claim in a little over 2 weeks. They were responsive and timely to my claim.
5

out of 5

POSTED: | BY: HELEN

EASY

I submitted my first ever claim and it was super easy with no hassle. I had heard great thinks about embrace, which is why I chose it for both my dogs. I am a very happy client.
5

out of 5

POSTED: | BY: Matthew

Fast and fair

We have submitted several claims, often for major procedures, and Embrace has always responded quickly and fairly. The claim process is also very straightforward and can be handled online.
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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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