Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: Cynthia Camberg

Everyone I talk to is so helpful

Everyone I talk to is so helpful. I really appreciate the easy process for submitting claims and the process for reimbursement when appropriate. Thanks Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: Rochell Magliocco

Peace of mind

Love. Embrace. We have been with them almost five years. Easy process. Quick payments. Thank you
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4

out of 5

POSTED: | BY: Alejandra Livingston

We have had a good experience with…

We have had a good experience with Embrace for our two dogs so far. We adopted them when they were under three months old, and almost everything within the dollar limit per policy has been covered. Claims are processed within a very reasonable length of time. If it was easier to reach them by phone, I would give them a five-star review. It's ranked very high by Forbes too.
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5

out of 5

POSTED: | BY: Dalaina Lindmar

Very easy to use

so easy to use ◡̈
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5

out of 5

POSTED: | BY: John Sharetts-Sullivan

An effective and efficient website…

An effective and efficient website facilitates the claims process very nicely. Direct phone contact always results in a clear, understandable resolution to any issues we have (or questions we have regarding the policies we have in place).
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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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