Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: John G

This is my third year with Embrace and…

This is my third year with Embrace and it is quick and easy for me to submit a claim. As always they will deposit my payment directly into my checking account. I'm very pleased with Embrace.
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5

out of 5

POSTED: | BY: Constance

Embrace Pet insurance is the BEST!!!

I adopted a rescue dog about 2 years ago and I had to take him to the vet for blood work, x-rays, etc and the vet bill was a lot of moolah. Good thing for me that I signed up for the Embrace Pet insurance illness and wellness plan. The claim process was very easy. I have since submitted claims on my phone and on my laptop and they are generally processed within 2 to 3 days. Having the pet insurance saves me money in the long run especially if one day he may need speciality care. If you don't have pet insurance for your fur baby this is the one to get.
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5

out of 5

POSTED: | BY: Charles Ellis

Very smooth experience

Very smooth experience. The claim was processed and paid very quickly. I have renewed; I hope I don’t have to make any claims, but I’m confident of protection if I do.
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5

out of 5

POSTED: | BY: Emma

Affordable

Affordable, site is easy to use to submit and view claims.
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5

out of 5

POSTED: | BY: LJ

Quick response

Quick response. Easy to submit claim. Clear explanation if necessary.
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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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