Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Caryn W

They get better and better and easy to…

They get better and better and easy to submit claims. Vet costs have skyrocketed in last 5 years and anyone is insane not to have pet insurance for a beloved animal. I have a new pup and I think you also get a multi pet discount. I just researched other companies and noone else has better rates, and Embrace covers cancer ( non pre existing ) which sadly comes up to often in pets which is why I have them on very healthy foods now. THey got me through 16 months of my old cat on chemo. OTherwise I would have had a terrible decision to make too early. And I think many dumped pets these days are sadly because one vet bill can overwhelm a family on a budget.
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5

out of 5

POSTED: | BY: Katherine Melvin

The claims were easy to submit

The claims were easy to submit. Each step of the process was clearly stated. The review process began the following workday and were approved. We are very happy with the Embrace insurance and the staff who works there.
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5

out of 5

POSTED: | BY: Ellena Neubauer

Claims process is always simple and the…

Claims process is always simple and the reimbursements are quickly paid. Any time I have a question regarding my pet's health, I receive good information and ease of care.
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5

out of 5

POSTED: | BY: Amy So

Best Pet Insurance out there!

I have had Embrace for a few years with my dog. This company is much better than the previous company that I used. The reimbursement process is fast. The premium for my now senior dog is high but the peace of mind is there if she gets sick.
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5

out of 5

POSTED: | BY: Dawn Stroup

I love this company

I love this company, everyone is incredibly helpful.
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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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