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: Susan

I am a veterinary staff member and have…

I am a veterinary staff member and have had multiple pet insurance experiences. I must say, Embrace has been excellent with coverage and quick payment for my own personal kitty. They have been very easy to deal with and I would use them again when I need insurance again.
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5

out of 5

POSTED: | BY: Diane

It was super easy to submit the claim

It was super easy to submit the claim! Thanks!
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5

out of 5

POSTED: | BY: Evan Obrien

First Claim

Embrace made my first pet claim simple and easy. They responded within 24 hours with the update of my claim status and were very clear and concise in what’s covered in my policy. Amazing experience!
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5

out of 5

POSTED: | BY: Derek Hart

Great company

Great company. Impressed how quickly I find out on the website how quickly they pay.
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5

out of 5

POSTED: | BY: Maria

Super fast reimbursement.

Excellent coverage and reimbursement is so fast - much faster than the last plan we had.
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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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