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: Mark Rives

Embrace took the stress out of our emergency vet bill

No one ever wants to incur a large, unexpected vet bill, especially when their pet is not well, but Embrace made paying for the emergency less stressful. Filing a claim was easy and they paid us within hours of submitting the claim.
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5

out of 5

POSTED: | BY: MD

The most efficient way to submit a…

The most efficient way to submit a claim I have ever experienced. I received the reimbursement within a 24 hour window. An investment well worth it for my fur babies.
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1

out of 5

POSTED: | BY: Kiley

They doubled my insurance premium the…

They doubled my insurance premium the second year I was using it. Went up double the amount. I cancelled with them. They were also extremely careful of not coving anything for your dog and found ways around everything. I emailed them about getting charged again this month, didn’t get a response they just refunded me. Professionalism and understanding of the monthly rate going up DOUBLE was lacking.
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5

out of 5

POSTED: | BY: Lynn Pendegrass

very easy application

very easy application. Price is expensive, but I love my fur baby girl and consider the expense medical insurance as I carry for all family.
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5

out of 5

POSTED: | BY: Hope

Great experience being able to submit…

Great experience being able to submit claim!
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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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