Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: DAWN THOMAS

Pleased so far.

We have been with them for over a year now and have had many claims due to our fur baby have so many issues his first year. We got reimbursed for the majority of it within a day or two. The only thing negative I can say is our monthly payment went up about 20-25$ maybe because all the claims.
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5

out of 5

POSTED: | BY: Donna R M

Speedy reimbursements

Embrace always takes good care of our Lily. Reimbursements are as expected and speedy!
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5

out of 5

POSTED: | BY: Roy Elkins

Company is awesome best thing I have…

Company is awesome best thing I have done for my pets love the plan I have with them and I love Company 90% back on the medical bills and they answer all my questions that I have I tell everyone that has pets best Company to have insurance with
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5

out of 5

POSTED: | BY: Sarah L

Seamless and quick claim process

I've filed two claims with Embrace and both were so easy to file, with decisions made within days of filing. I'm very pleased with the process and glad I chose Embrace.
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3

out of 5

POSTED: | BY: Katherine Duhrkopf

Useless

I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.
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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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