Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: 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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5

out of 5

POSTED: | BY: Sue Bowers

You can't put a price on peace of mind

My dog tore his CCl last August. I was never more grateful for having enrolled him with Embrace when he was a puppy. Today I am submitting the last (hopefully) receipts for his treatments. The total cost of surgery, follow ups and therapy was well over $7,000. Submitting claims to Embrace, and receiving reimbursements was simple and quick. I highly recommend Embrace Pet Insurance to all of my friiends.
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5

out of 5

POSTED: | BY: Ryan

It is always very simple and easy to…

It is always very simple and easy to submit a claim for my pup, whether for her vet appointments or a grooming visit. Embrace has my pup covered with ease!
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4

out of 5

POSTED: | BY: Fran Redline

Never had an issue with any claims..

Never had an issue with any claims..
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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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