Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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.
4

out of 5

POSTED: | BY: Joy

So far so good!

So far, I'm impressed with the insurance coverage, but I've yet to see how much I will save this year. The website is easy to navigate, and claims are easy to fill out.
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5

out of 5

POSTED: | BY: Jose Quijada

They're always on point

They're always on point. I was please to learn about their offerings, so I switched pet insurance to Embrace about 2 years ago. We haven't been dissapoointed. They offer good coverage, and are prompt processing claims.
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5

out of 5

POSTED: | BY: Squeeky

The claim process is easy and quick

Quick and easy claim process! Would definitely recommend this company for pet insurance.
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5

out of 5

POSTED: | BY: Amy

Great Submission Claim Instructions!

Weve been with Embrace for about 10 years. They are always pleasant and helpful, and submitting a claim online is easy because of the clear instructions for each step.
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5

out of 5

POSTED: | BY: John

Trusted provider

I've been using Embrace for about a decade. They've always been prompt in paying claims, and I don't feel like they're looking for every opportunity to avoid paying. Claim submission has gotten easier and easier over the years. I haven't needed support a lot, but they've been great when I have--giving me extra data about ultilization, or more recently, running multiple scenarios with me to look for the right cost/coverage fit. They were patient and seemed to genuinely want to make sure I got the best option for my situation, not just the one that made Embrace the most money.
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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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