Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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.
1

out of 5

POSTED: | BY: Jennifer Grisham

Falsifying vet records

My vet just told me that in their records it did not say what YOU guys said was in there in order to deny Lola's claims. It's ridiculous and she is writing you an appeal letter stating that you are falsifying records.
5

out of 5

POSTED: | BY: Claudia Ionescu

Very happy with Embrace

Overall very happy I choose Embrace for all my 4 kitties. Having a good insurance allows me to have the best health care for them. Embrace has decent rates, a very smooth and quick claim processing process, great customer service.
5

out of 5

POSTED: | BY: Claire

Embrace stands by you

I did receive my claim check and was grateful for that. My poor Nestle is having some liver problems, so every little bit helps with the medical costs.
5

out of 5

POSTED: | BY: Walter

Great Service

Embrace was great about getting my claim paid in just a few days. Their website helps make things very easy to submit.
5

out of 5

POSTED: | BY: Chris

Thank Goodness for Embrace

We have had embrace for over nine years. They are great. Their claims are quick and the reimbursement is fast. We have two dogs that have had several emergencies and earaches and cancer and Embrace has Takisha care of us by reimbursing us and making it easy for us to take care for our babies and not have to worry about if we are going to receive our claim. Our many vets have said that the claim forms are the easiest they've seen. I highly suggest you use them.
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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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