Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Eric Clink

So Grateful

Our first time having to use the insurance for an emergency situation with one of our hunting/competition dogs. Overly pleased with the outcome and will be adding dogs to our current plan.
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5

out of 5

POSTED: | BY: Shea McJagger

So worth it!

Seriously worth EVERY. SINGLE. PENNY! Submitting claims is very easy and I’ve never been turned down. I’ve had this insurance for my dog since he was 11 weeks old and he’s almost 10 now and I’ve had to use it more lately, and the peace of mind of knowing I have this insurance is everything! I recommend it to literally every pet owner I know.
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5

out of 5

POSTED: | BY: P Sobo

Claims processed in stealth Great experience speed

Claims processed in stealth speed Reimbursements within a couple days Wonderful customer service
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5

out of 5

POSTED: | BY: Edmund Piccolino

Tremendous and honest customer service—…

Tremendous and honest customer service— a much appreciated effort to reduce our premiums for our three dogs
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4

out of 5

POSTED: | BY: ken white

Just easy to file a claim

Just easy to file a claim, and easy to talk too with agent on phone.
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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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