Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Eric

Amazing experience

Our 4 year old golden retriever was diagnosed w/ patella luxation requiring surgery to stabilize. The whole claim process was simple. Embrace answered all my questions via email in a very timely manner. The claim process was fast too. I received a check in about 20 days. They even followed up to make sure everything was okay. I was skeptical at first but not anymore. I can now say i am very impressed w/ Embrace
5

out of 5

POSTED: | BY: Nicole

Wellness Claim

So glad we paid the extra $12 per month for Wellness. All her shots are free and in the long run, your pet stands a chance of being more healthy. Easy to file, no questions asked.
5

out of 5

POSTED: | BY: Heather Smith

It has been great so far!

I sent in my first wellness Claim and I got a email within 48 hours saying that they got it and was looking it over. Then a few days later I got another email telling me that a check was on it's way.
4

out of 5

POSTED: | BY: Tovah

Fast Return

I received my check for my wellness claim on my cat almost immediately. Very fast and great service.
5

out of 5

POSTED: | BY: Linda D.

First Claim

My first claim since I've had the insurance on my Golden Retriever. I was pleasantly surprised that I will be receiving a refund after applying my deductible on this $500+ claim. I am very satisfied with Embrace and feel fortunate that I found them during my search for pet insurance. Thank you!
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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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