Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,925

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: Susan Bowerman

Great Pet Insurance

I've been with Embrace for over 10 years now. Since our first dog Molly, we now have 2 dogs and 2 cats on the policy. The Wellness part is the best so far. They cover everything with wellness you can have. We've been extremely happy with our experience. We would recommend them to anyone looking for insurance for their pets!
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5

out of 5

POSTED: | BY: Jason

Super simple and easy to follow when…

Super simple and easy to follow when submitting a claim compared to previous pet insurances.
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5

out of 5

POSTED: | BY: Flavia Oliveira

Peace of Mind

This summer my dog has had several episodes of vomiting and has needed diagnostic procedures and analysis to determine a treatment plan. Embrace has been a lifesaver. Their on-line claims process was very user friendly and I have received payment quickly each time. I highly recommend them.
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5

out of 5

POSTED: | BY: JT Heslink

Embrace truely understands the stress…

Embrace truely understands the stress of an animal hospitalization of illness. They process our claims very quickly so it is one less thing for us to worry about.
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3

out of 5

POSTED: | BY: TW

1st claim submission

The claims submission process wasn't that bad but the system was slow. Not sure if it was my internet connection or the website. I can give a better review of the reimbursement process once I see how long it takes to settle my claim and whether they cover what my policies says it will.
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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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