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: Rita

Great

Embrace has always been awesome and my experience with them has been great. Always get my claim done quickly. They are great!!!
5

out of 5

POSTED: | BY: Debra

Too many raisin cookies!

Our claim was processed very quickly. The representatives are always so kind and helpful. Glad we have this pet insurance.
5

out of 5

POSTED: | BY: Claudia

Very happy , great experience

Very very happy with Embrace throughput the whole process- submitting claims, reviewing the status on line,short processing time and of course no surprises with the coverage. Having two kitties with serious conditions : cancer and kidney failure I am so happy I enrolled them years ago. Thankfully there are great treatment options available but without insurance, without Embrace would have been impossible to keep up with the bills Any pet parents who loves their furry kids should have insurance for them. Imagine the heartbreak of having a sick pet, and not being able to afford the treatment.
5

out of 5

POSTED: | BY: Anthony

Peace of mind!

We knew that when the time came to say goodbye to our Empress it was going to be beyond difficult. Pet Owners get that. What made this slightly more manageable, but still tough, was knowing we did not have to make a decision based on Finances, but on what was right. Embrace gave us that peace of mind and for that we are all grateful.
5

out of 5

POSTED: | BY: Bob

Embrace top insurance, 5 star & more

Super great company, outstanding staff, 5/5 stars

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 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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