Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Richard Heathcote

This should be your pet medical…

This should be your pet medical insurer. Quick, easy-to-navigate process for submitting claims. The ability to add extra text in addition to the pulldown diagnosis list is especially helpful.
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5

out of 5

POSTED: | BY: Ruth Praast Bolejack

Coverage since 2010, never let us down!

We have had Embrace Pet Insurance since 2010. They have never let us down! Some years we pay in more than we use it, but this year with a surgery for a growth that turned out to be cancer then needing to do radiation our bills have been big. They covered to the maximum annual amount. Certainly a valuable part of being a pet owner!
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5

out of 5

POSTED: | BY: Donna R M

Easy to submit claims

Easy to submit claims. Embrace has always been true to their word concerning claims.
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5

out of 5

POSTED: | BY: Layne Morrison

Highly recommend

So helpful and quick to review claims. Greatly helped my dog get the care he needed, thank you so much.
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5

out of 5

POSTED: | BY: Jeffrey Brandon

Entering my claim information was easy.

Entering my claim information was easy.
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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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