Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Randie

Excellent company!

Embrace is a great company. Not only have most of my claims been covered but a response comes almost immediately after a claim is submitted. First saying that they received the claim and a few days later an answer - usually followed by a check in the mail.
5

out of 5

POSTED: | BY: Arlean

Embrace recommended - Best ever

I'm please because of the quick reimbursement turn around on all my claims.I highly recommend this insurance to a pet owner. Also, the staff were helpful in assisting me with the Wellness program. I've been a pet owner for over 30 years and I was hesitate about insurance to pets. Embrace is really for the pet. The monthly cost is very reasonable.
5

out of 5

POSTED: | BY: Greta

The Best!

Embrace has been wonderful and has covered all my claims without complication. Takes the stress out of pet care!
5

out of 5

POSTED: | BY: Sarah

Awesome company!

I have enjoyed my experience with Embrace Pet Insurance this far! I love that you have the ability to customize a plan that works for you. So far I have submitted two claims and have received my reimbursement s within a week. Submitting a claim is very easy and does not feel like a hassle. I have also had the pleasure of speaking with an employee over the phone and they were nothing but helpful.
5

out of 5

POSTED: | BY: Karen

Sick

Having Embrace gives me peace of mind for unexpected vet visits. Claims are processed in a timely manner so there is no chasing after your money. Very grateful
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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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