Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Customer

I insured my kitten and took him to his…

I insured my kitten and took him to his first appointment. I got the wellness package and it has paid off getting his vaccinations and he'll be getting neutered in a few weeks. He also has had a couple kitten mishaps that would have cost me a couple grand had I not insured him! I highly recommend pet insurance.
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5

out of 5

POSTED: | BY: Betsy Hutchings

Horrible experience at the vet, but an easy claims process with Embrace.

After a horrific experience (for me and my dog), I was surprisingly pleased that the claims process was so simple. I filled out a simple form on the Embrace website, uploaded the bill, and - voila! I was approved very quickly and the money was sent to my account a few days later. Thank you, Embrace, for making it so easy.
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5

out of 5

POSTED: | BY: Vanessa Lynn Cahill

The customer service was fantastic

The customer service was fantastic. He explained everything to us so well and was able to help us get the best plan for us. He explained that the reimbursement part comes by really fast so we wouldn't have to wait long.
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5

out of 5

POSTED: | BY: Melynda

Excellent experience with Embrace

We are very grateful to everyone at Embrace for always processing our claims quickly and accurately, each time with excellent communication and updates. Our dog was very ill toward the end of her life and Embrace was there with us through the end.
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5

out of 5

POSTED: | BY: Nya Jones

Quick to respond

Quick to respond. I lost one of my claim checks and they reimbursed me ASAP.
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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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