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: Doreen

Best pet insurance!

I tell everyone that I meet how wonderful Embrace is. I have had several other insurance carriers other pets, but no one is easier and more expedient then Embrace. My poor little girl developed a brain tumor this year, and getting the money from her policy has helped a great deal with the enormous bills. Anytime I have to call Embrace , they are very helpful and friendly. Currently, our pup is doing very well 🐶 Thank you embrace.
4

out of 5

POSTED: | BY: Bob

Comfort knowing you are covered

We've had great experiences using embrace for our pets. With all the expenses of a growing family to know that we have some peace of mind when is comes to taking care of our Nikki if she needs medical care helps us a lot.
5

out of 5

POSTED: | BY: Kim

Quick claim returns

It is so easy and quick to upload your documents for a claim. I love how you can see the process of how your claim is being completed. Anytime I had a question or I needed help with something they have been so fast to respond. I highly recommend embrace pet insurance to anybody who has a pet !
5

out of 5

POSTED: | BY: Terri

Embrace is amazing!!

They have very affordable premiums, they pay the claims very quickly, and their customer service team is awesome. I have had my Himalayan with Embrace for three years and I couldn't be happier!!
5

out of 5

POSTED: | BY: Cary

Claimes Processing

Over the years, we've used four different pet insurers. We've been with Embrace for four and a half years and they have been incredible. One of our dogs developed a serious heart condition that requires many drugs each month. Claims processing, including reimbursements, has been a breeze.
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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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