Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Heather

Easy to use, very reasonable deductible.

Embrace makes it easy to find information about the plan, and easy to submit claims. I wish human health insurance used the same system.
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5

out of 5

POSTED: | BY: Diane Cerf

My dog has Melanoma

My dog has Melanoma. The cure is quite expensive. Embrace has been paying the claims without a question. We very much appreciate the financial help!
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5

out of 5

POSTED: | BY: Lisa Chant

Best Pet Care Company

Easy to set up policy. Website easy to navigate. Claims are simple 4 step process.
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5

out of 5

POSTED: | BY: Lucia Bartoli

My Little Pal’s Insurance

Embrace has been my bestie’s insurance for 4 years & their process is quick & simple. The reimbursement rarely takes more than a few days. I have no complaints. I also have wellness & Rx coverage. My Embracers always are helpful.
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5

out of 5

POSTED: | BY: Ruth Nelson

What more can I say

What more can I say? I can't begin to express my appreciation to Embrace for always being there for Cooper and I. Poor little guy has had some issues, but Embrace has made it so much easier for me. So glad I found them!!!
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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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