Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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: Maria Arango

Embrace has proven to be proficient and…

Embrace has proven to be proficient and professional. They are leading in the industry of pet insurance. Submitting claims is easy and the response time is pretty great also. I recommend Embrace for your pet insurance needs!
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5

out of 5

POSTED: | BY: Maria Lisa Frano

I love Embrace

I love Embrace! It's so easy to file claims, get results, explanation of benefits, etc.
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5

out of 5

POSTED: | BY: Zita Ramos

You guys are great

You guys are great. I submitted my claims and and my claim is settled in no time. It is very fast. I hope this new claim goes well. On vacation and my dog got sick. This is my first time sending a claim from somewhere else besides Orlando. Hope everything goes well.
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5

out of 5

POSTED: | BY: Julie Mayhew

We've had to submit several claims for…

We've had to submit several claims for our pets and we have consistently found Embrace representatives to be responsive and helpful. The website makes it incredibly easy to submit claims and communicate with the representatives when necessary.
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5

out of 5

POSTED: | BY: JES R

Claim Process Straightforward and User Friendly

The claim process is straightforward and user friendly.
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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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