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: Cindy

Easy and Fast!

Filing my claim was easy and fast. We emailed the vet bill and doctors notes and next thing you know I’m getting a deposit for what was covered. It was definitely a stress free experience! Thanks embrace!
5

out of 5

POSTED: | BY: Meagan

Easy and fast claim process

I actually really enjoy my Embrace pet insurance. I have two dogs that I rescued when they were adults. I signed up for insurance, and even though there were a few pre-existing conditions, they weren't anything that concerned me so I wasn't too bothered by it. One of my dogs developed a cancerous mass and besides my deductible I was completely reimbursed for every dollar I spent for diagnostics, surgery, and follow up appointments. The process of filing claims is super easy, just print out a copy and the animal hospital will do the rest for you. I was expecting a lot more work and push back, but I have never had any push back for any claim I have filed. Overall I am extremely happy with my insurance through Embrace!!
5

out of 5

POSTED: | BY: Josephine

Best Insurance for my fur baby

Embrace is a wonderful insurance policy. Best decision I ever made to protect my fur baby. Claims are processed quickly all of the time.
5

out of 5

POSTED: | BY: David

We consider Embrace the best

Our Molly was recently diagnosed with feline diabetes. Embrace has been there each time we've submitted a claim. When we've found it necessary to call these folks, you can tell they're truly caring individuals. We're very thankful we made the decision to select Embrace for our pet coverage.
5

out of 5

POSTED: | BY: Cindy

Very good to work with

They have been very attentive and helpful with any issues that have come up. Definitely will and do recommend this company to pet parents.
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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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