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: F Marino

Incredible company. Highly recommend!

I’ve never had a single issue with this company. They have always promptly and accurately reimbursed me for all of my claims throughout the years. I would highly recommend this insurance company to anyone.
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5

out of 5

POSTED: | BY: Jake Retz

Very user friendly and speedy results

Very user friendly and speedy results. The only thing I would change is to have a system in which the insurance and veterinary offices could talk to each other directly instead of having the pet owner do the legwork after the fact for a reimbursement, although I know that's not necessarily Embrace's fault but an industry standard (AKA industry minimum).
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5

out of 5

POSTED: | BY: Michael Moen

Easy to talk to and easy to navigate APP

Easy to talk to and easy to navigate APP
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5

out of 5

POSTED: | BY: Roxanne

Fast and accurate!

Really fast customer service and quick payment on claim.
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5

out of 5

POSTED: | BY: Steve M

Fantastic

Fantastic! Immediate claim payment. Very pleased.
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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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