Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Kayla

Getting better

The first few claims were easy and smooth! There were a few road blocks that came up with 2 of our claims and I felt like I was constantly calling to make sure it was evening processed. It took weeks to sort out. The last 2 claims have been easy and quick! Submitted and processed in about 9 days!
5

out of 5

POSTED: | BY: Christine

Amazingly easy

When my dog was diagnosed with lymphoma at 4 years old we worried about many things. Embrace took the worry about the cost of treatment off our plate. Claim processing was easy and efficient. Best decision we made. Highly recommend this company.
5

out of 5

POSTED: | BY: Allan

I am so glad I purchased a policy with you. My son recommended me to you best decision I have made

Awesome service
5

out of 5

POSTED: | BY: Isabel

Easy, Seamless and Efficient

Going through an emergency with my pet was very stressful, painful and difficult. Embrace’s customer service along with other perks was super easy and it’s all done online. My check came in less than 2 weeks from the claim which was icing on the cake since I up-fronted it on a credit card. Thank you Embrace personnel for the efficiency!
5

out of 5

POSTED: | BY: Diane

This company is the real deal...and more!

This is the first time I have had to use my insurance and I wasn’t sure what to expect. They have exceeded my expectations. It is easy to file claims and they have not challenged any of what I have sent them. They have made a difficult time less stressful.
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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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