Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Sharon Guillen

Embrace has given me the best coverage…

Embrace has given me the best coverage for my two cats. I appreciate their support and quickness in approving bills for my cats when needed. I will continue being a customer because of their amazing support.
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5

out of 5

POSTED: | BY: Laura M

No complaints

We have had a great experience with Embrace thus far! Communication re: claims is clear and, most recently, we got our reimbursement within a week of submitting a claim! We will continue to use Embrace for our pet insurance!
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5

out of 5

POSTED: | BY: Steve Wilson

I had a dog that was very healthy and…

I had a dog that was very healthy and all of a sudden, six months or so after, I started my policy, he was diagnosed with a devastating disease. Embrace truly processed my multiple claims without issue and no, I was not asked to give a good review. This is real and true.
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5

out of 5

POSTED: | BY: K Mendis

Easy, friendly, honest and clear

App is super easy to use. When I had a question, I got a clear and friendly answer from the gentleman who fielded my call. Policies and EOBs are transparent and clear. Checks are sent quickly.
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5

out of 5

POSTED: | BY: Pam Hawk

Great service

The coverage has been wonderful with my golden who has epilepsy.am so glad I have this insurance on both of mine. Quick and easy to work with.
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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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