Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Marcie

Easy to work with, worth every penny.

I've had a policy on my Great Pyrenees since I got her at 7 weeks old. The cost is reasonable and the Healthy Pet Deductible credit helps make the monthly cost stay reasonable as she gets older. I also have a wellness plan on her, which covers her yearly vet visit and has enough left over to cover some of her flea & heartworm preventative. Submitting a claim and getting reimbursed is easy with the electronic submission and direct deposit options. I will use Embrace in the future for my pet insurance needs.
5

out of 5

POSTED: | BY: Jan

Completely Satisfied

I find Embrace Pet Insurance to be very thorough and timely in their manner of reviewing claims. The Insurance Policy which I have fits my pet's needs and I find it to be very fair and affordable. A "10"
4

out of 5

POSTED: | BY: Nadja

They have paid everything I've submitted in the past 3 years

They have paid everything I've submitted so far including rehab, platelet rich plasma injections, acupuncture and such. If they paid for maintenance/preventative chiropractic and/or acupuncture care they'd get 5 stars.
5

out of 5

POSTED: | BY: Elizabeth

Literally life saving!

Literally life saving! Embrace insurance has been wonderful while navigating my fur-baby's surgery. The claim process has been seamless, customer service very helpful and friendly. I'm so happy to have this insurance!
5

out of 5

POSTED: | BY: Henry

I am so glad I have them protecting my…

I am so glad I have them protecting my babies, they have done a great job and are very professional
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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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