Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Shannon Flaherty

Delivered as promised, quickly, and thoughtfully

Embrace quickly paid out exactly as the policy outlined they would, and were kind and thoughtful as I navigated the process. I was reimbursed quickly and was pleasantly surprised there was no back and forth or additional questions. Breath of fresh air compared to human health insurance!
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5

out of 5

POSTED: | BY: Crissy Clover

This was a very easy and convenient…

This was a very easy and convenient process. Very happy with our choice in carriers.
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5

out of 5

POSTED: | BY: Andrew Folland

Quick claim feedback

Quick claim feedback
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5

out of 5

POSTED: | BY: Alan Rooks

The agent that I was speaking to was…

The agent that I was speaking to was great. Polite, very helpful and patient.
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5

out of 5

POSTED: | BY: Pam Backofen

Embrace is quick and easy to file a…

Embrace is quick and easy to file a claim (under 5 minutes) and quick to reimburse on direct deposit! They truly care!
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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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