Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Kellin Varela

I love embrace

I love embrace. The wellness package is pretty awesome. Doing claims are so simple and easy on the app to file. Overall recommend embrace. As a fur parent, please invest on pet insurance. In the long run it will help you.
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5

out of 5

POSTED: | BY: Jennie Peterson

Easy to upload claim

Easy to upload claim. First ones, so will see how rest of process goes, but submission is very easy and quick!
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5

out of 5

POSTED: | BY: Mary Ann

I had my first experience with Embrace…

I had my first experience with Embrace and it was very comforting to know that when my fur baby was vomiting uncontrollably that I could get her all the care she needed and I didn’t have to worry about the expense. They deducted the office call and my deductible, I was reimbursed quickly and our baby is doing great! Best insurance cover ever.
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5

out of 5

POSTED: | BY: Jennifer

We've had an excellent experience with…

We've had an excellent experience with Embrace insurance. Filing claims is very easy! We highly encourage pet owners to use Embrace!
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3

out of 5

POSTED: | BY: Marylou Merryman

A longong wait on phone before I received help. And difficult to submit my claim this time

Hire more people so the wait on the phone isn't soooo long.
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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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