Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Eileen McKenry

The online claim-submission process is a pleasure

The online claim-submission process is easy and straightforward. Kudos for whoever designed and implemented it! Now the wait begins...
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5

out of 5

POSTED: | BY: Conner Khanh

My kitties are in good hands!

My kitties are in good hands!
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4

out of 5

POSTED: | BY: Aaron Chung

Quick and painless claims process

I can't say enough great things about this pet insurance. They are quick and easy to put claims through. My only negative is that I had to use a lot of claims, and they increased my premium by over 56%! It feels like we're being punished for using the insurance. So don't love that, but love the claims process.
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5

out of 5

POSTED: | BY: FREDERIC

Easy to make claims and great response time

I have always had an easy time submitting claims on this site and the response has been exceptional. The amount they pay on claims is as good or better than most insurances.
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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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