Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Iggy’s Parents

Two Satisfied Kitties

Using Embrace is simple. Once you get done entering the information and uploading documents the process to review claims is quick. I'm very happy with Embrace and how easy it has made having one healthy kitty and one sickly.
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5

out of 5

POSTED: | BY: Maria Gomez

Amazing Company

Quick, responsive and extremely helpful. Embrace helps make a really difficult situation more manageable and less strenuous by their efficiency and stepping in when we need them the most and what we trusted in them to do for us!
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5

out of 5

POSTED: | BY: Leticia S. Vinuela

My Happy (standard Poodle) had…

My Happy (standard Poodle) had emergency surgery for a tumor, 11/22/2021, after that came chemotherapy, visits every time he got weak, he followed up with the Oncologist for almost 2 and a half years and now his remission in oncology has ended, his checkup continues with your veterinary. I am beyond grateful that I enrolled him in Embrace when he was a puppy. The total cost of the surgery, follow-ups and chemotherapy far exceeded $10,000. Submitting claims to Embrace and receiving refunds was simple and fast. I highly recommend Embrace Pet Insurance to all my friends.
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5

out of 5

POSTED: | BY: Grier Smith

Submitting claims are super easy

Submitting claims are super easy, and claims are processed promptly. Communication is excellent.
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5

out of 5

POSTED: | BY: Melinda Wellsfry

Incredibly efficient!

I am astonished at how quickly claims are reviewed and reimbursements made into my bank account. I absolutely love this company. Without it, my Roxie would not have survived because there was no way we could afford the treatment she needed.
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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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