Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,003

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: Linda

Always use Embrace Insurance for all of your pets.

I have used Embrace Pet Insurance for many years! I have always been very satisfied. I would not own a pet without it.
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5

out of 5

POSTED: | BY: Daniel Conway

Excellent website design

Excellent website design, especially claim submittal instructions and process - was able to attach required documents easily, and submit the claim quickly.
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5

out of 5

POSTED: | BY: Jacqueline

Easy claim process

I find the process of filing a claim easy and not too difficult. I was also pleased with my reimbursement because I felt skeptical about purchasing insurance and unsure if the benefits would outweigh the cost. However, I'm very pleased with the service and happy we have it.
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5

out of 5

POSTED: | BY: Cindy Wells

Embrace Pet is by far the best company…

Embrace Pet is by far the best company to use for your pet insurance. They are reasonably priced and have the best customer service.
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5

out of 5

POSTED: | BY: Brian

So far so good with Embrace pet…

So far so good with Embrace pet insurance. I shopped around and they had the best price for what was covered. Getting the records up to date and getting the insurance working was quick. I've had two claims and they were processed and funded within 36 hours. That is pretty damn quick.
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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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