Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Rebekah

Wonderful! Pawsitively awesome!

Embrace is always great in their communication about our pet and our claims. They are processed promptly, and it is well worth the money! So glad we picked them over other pet insurers. They're pawsitively great!
5

out of 5

POSTED: | BY: Michell Oliver

Good service overall

Good overall. A little slow with claim review and payment
5

out of 5

POSTED: | BY: Arlene Fine

Must protect your pets. Embrace insurance gives you peace of mind, and encourages good pet care.

very pleased with the communication and response. Prompt and excellent response to claims and questions.
5

out of 5

POSTED: | BY: Ben Tedstone

It's been covered

Brought my cat in for an annual wellness exam. This was after I made the wise choice to add wellness points to her insurance policy. The charge for the veterinary services was covered after I filed a wellness claim with Embrace, and they said my reimbursement check is on its way. So glad they could help me pay my "bill."
5

out of 5

POSTED: | BY: Anna Budinger

Claim was Processed Quickly and Easily

This was my first claim to submit to Embrace. The entire process was straight forward and not at all difficult for either me or my veterinarian. I very much appreciated that fact that I could track my claim status easily on-line.
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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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