Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Michael

Fast claim resolution

Our 5lb yorkie, Teena, became ill over about. six hour period. She was vomiting with severe diarrhea. When it reached the point that she couldn’t keep water down, we knew she needed professional care. One week after filing the claim, I received an email from Embrace stating that Teena would be covered. No hassles.
5

out of 5

POSTED: | BY: Jane

I’ve “embraced” pet insurance

I love Embrace pet insurance! Claims are processed very fast, and payment is very quick! Keep up the great job you’re doing! Highly recommend!
5

out of 5

POSTED: | BY: Konstantinos

Animal hospital claim

Quick transaction, staff was very helpful in assisting with claim over phone.
5

out of 5

POSTED: | BY: Vivian

Feel confident that I’ll have most of the vet bill taken care of. Especially having the nails done is the biggest plus for me.

I have not had any issues with Embrace Insurance. They’ve taken care of the bills as per contract.
5

out of 5

POSTED: | BY: Michael

Outstanding Customer Service!

I've been an "Embracer" for 4 years now and have found them to be the best pet insurance company I've ever dealt with. Quick processing of claims, precise explanation of benefits and a fair and reasonable appeals process make them a pleasure to work with!
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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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