Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Brandon

Embrace made a difficult time much easier...

Embrace made a difficult time much easier to work through with their helpful and transparent claims process. I uploaded my claims information via the user friendly web portal and had a response within 2 days, even to alert me that a document was missing (instead of ignoring the discrepancy and rejecting the claim as some insurances do). Once the claim was processed I received payment within 1 week and there were no hidden limitations to my coverage. Overall a great experience.
5

out of 5

POSTED: | BY: Keiko

Fast and easy customer service and…

Fast and easy customer service and claim support
5

out of 5

POSTED: | BY: Henry Robledo

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
5

out of 5

POSTED: | BY: Elizabeth Hlcmb

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!
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.
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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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