Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Bruce Costa

Claim submission process

Excellent, simple submission process. Hoping they'll approve for the surgery they said they would...
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5

out of 5

POSTED: | BY: Maggie Morrisey

Good company

They don't fool around. Claims are easy to file. Very knowledgeable. Get payments quickly. Customer Service Reps are very personable.
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3

out of 5

POSTED: | BY: debbie gottardi

Too many things considered prexsisting…

Too many things considered prexsisting conditions.
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5

out of 5

POSTED: | BY: Cristell

The best!

Embrace has been with us and our 3 pups for 12 years. I recommend them always to my family and friends. They have taken very great care of us over the years.
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5

out of 5

POSTED: | BY: Steve T

Wonderful Experience

I couldn’t be more pleased with the experience I had. The representative took the time to listen to my concerns and provided clear, detailed explanations of the different insurance options available for my pet as this was my first time getting a pet, and also navigating the insurance process. What stood out the most was his patience and willingness to answer all my questions, no matter how small. He ensured I fully understood the terms and conditions, helping me make an informed decision. It was evident that he genuinely cared about my pet’s well-being and wanted to find the best coverage for my needs.
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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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