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: Lori Sheltrown

Embrace claims process is a breeze

Submitting a claim through Embrace was extremely straight forward and the processing is super quick. I highly recommend this insurance for your pet.
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5

out of 5

POSTED: | BY: Stephanie-Garden Grove,CA

When I submit my claims

When I submit my claims, they are usually approved in 24 hours and my refund is in my account as well.
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5

out of 5

POSTED: | BY: Projectorist

Super easy to file the claim!

Super easy to file the claim!
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5

out of 5

POSTED: | BY: Ron W

3rd 5 star review

This is the first time I have had insurance on a pet. I could not have made a better choice than Embrace. I have had a couple of claims and they are honest, prompt and pleasant to deal with The claims process is very simple and straight forward, not hidden gotcha questions.
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5

out of 5

POSTED: | BY: Kim Pavuna

Cover a majority of issues

They cover most expenses.
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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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