Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Sylvia

Great insurance company

Embrace is great. Filing is very easy with a pre-filled form the vet submits. They send me emails with updates on the status of my claims and send me the check promptly. It is very comforting to know exactly what my dog's medical expenses will be for the year.
5

out of 5

POSTED: | BY: Michelle

Wellness Claim

Embrace has always met and exceeded my expectations. The process is quick and communication with me through email updates are appreciated. I am happy I have chosen Embrace!!
5

out of 5

POSTED: | BY: Pamelia

Am glad I have this wonderful protection

I am very happy with the way Embrace handles all claims I have submitted. Having a crazy 3 year old golden there is no telling what he will get into both at play and in training (agility). Embrace has given me peace of mind and quick turnarounds on the claims, Thank you for being there for my son :)
5

out of 5

POSTED: | BY: Lisa

So far, so good!

When we adopted our new puppy I began to look into pet insurance. I had heard that they have gotten better at covering claims. During my search, Embrace came up time and again as a favorite. We just had the puppy spayed, and I submitted my claim under wellness and a few days later it was approved and a check is in the mail. The process was easy. Hoping that it continues.
5

out of 5

POSTED: | BY: Vicki

Excellent

Thank you for the reassurance knowing we can take our little guy into the vet for help when it's needed. We don't have to worry about an unexpected expense !!
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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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