Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
4

out of 5

POSTED: | BY: David Jungnitsch

I'm really impressed with Embrace

I'm really impressed with Embrace. Our 2-year old cat got sick while I was traveling and my wife had to take him to an emergency vet clinic. Once I came home I submitted the paperwork to Embrace and within a few days they paid their share of the expense which really helped us. This was our first claim so we were definitely surprised how easy it was. I would recommend Embrace to any pet owners.
5

out of 5

POSTED: | BY: Sara

Quick, convenient, and easy

The customer service reps were very prompt and helpful. The app is very easy to navigate, and it makes the claim submission process go so quickly!
5

out of 5

POSTED: | BY: Mary Schreiber

Our claims were handled promptly!

Our claims were handled promptly!
5

out of 5

POSTED: | BY: Ami Sheffield

Embrace helped my old guy!

Embrace is so wonderful. My Australian Shepherd is a retired agility dog- and I want to give him the best care possible after years of amazing competitions. When he developed a heart issue- Embrace helped cover the costs of multiple EKGs and echocardiograms and vet visits. I thought i was going to lose him, but having Embrace at my side, I was able to do anything possible to get him feeling great again! So thankful!
5

out of 5

POSTED: | BY: Ana Marin

Very nice service and very accurate claim covering.

Embrace offers a very nice and comprehensive customer service. The claims are easy to request and the covering is very accurate and very adequate to clients. I am very happy with this service :)
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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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