Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Scott C.

Embrace takes care of us like we take care of our pets.

Everyone should have this company's insurance for their pets. When we needed to get emergency care for our dog after he got hit by a car, the medical bills piled up quickly, and Embrace came to the rescue. Paying for care should never be a concern when a pet's life is on the line, and Embrace took excellent care of us. The claim process was quick and easy.
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5

out of 5

POSTED: | BY: Dog Lady

Fast efficient claims payment

Fast efficient claims payment
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4

out of 5

POSTED: | BY: Anonymous

Claims are processed promptly

Claims are processed promptly, claim submission is easy. Coverage overall is ok however if allergies they won’t cover anything-ears, paws, itching until 12 months symptom free from all!
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5

out of 5

POSTED: | BY: Moira

Embrace made the reimbursement process so straightforward and efficient

Embrace made the reimbursement process for our kitty's treatment straightforward, efficient, and quick. Great service!
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4

out of 5

POSTED: | BY: CO

website very easy to manage, wellness coverage limited

website very easy to manage. Wish the wellness coverage was more. It was used up pretty fast and caused a strain on us.
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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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