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: sup

I've been really impressed Embrace Insurance—pet insurance that works…

I've been really impressed with Embrace. They keep you updated on claim status right away instead of leaving you guessing, and more importantly, they actually pay out claims promptly. After being skeptical about pet insurance, Embrace changed my mind. No runaround, no endless paperwork battles—just straightforward service when my pet needed care. If you're looking for pet insurance that isn't a hassle, I'd definitely recommend giving them a try.
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5

out of 5

POSTED: | BY: Jacob Hebert

The best insurance I've ever had.

The best insurance I've ever had. Our girl piper has had a healthy 7 years, and we started our policy with embrace when she was 4. We hadn't had a need to use it yet, but in her 7th year she started having some non-fatty masses appear. This was really scary, but after she was scanned and settled, we submitted our claims to embrace. They ended up covering 80%+ of the cost of these procedures, and have made us very comfortable with the idea of taking care of our girl. I can't imagine the decisions we'd have to make if we didn't have Embrace. 11/5 stars.
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5

out of 5

POSTED: | BY: Carole

Thank you for making this easy

Thank you for making this easy. Hoping for quick turnaround for deposit into bank!
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1

out of 5

POSTED: | BY: Dave Cash

Rates Doubled

This year they doubled our rate. They said do to cost increases but come one now.
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5

out of 5

POSTED: | BY: Agnes

Embrace Pet Insurance Claim System

The claim system for Embrace Pet Insurance is very user friendly and easy. I submitted 3 claims in no time! 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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