Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,765

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: Stephen Newland

Customers for 5+ Years

We have been customers of Embrace for 5 (maybe 6) years now. They have always been prompt with paying out claims, customer service is great to work with and the website is very simple to use. I always recommend Embrace if the topic of pet insurance comes up.
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5

out of 5

POSTED: | BY: Glenn Nickerson

Snake bite!

Fortunately I don’t have to use my insurance much, but when my guard dog got bit by a Copperhead snake while on a walk, I knew we had coverage. The peace of mind knowing that all I had to do was get her to the nearest veterinarian clinic and she’d be fine was priceless. Thank you!
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5

out of 5

POSTED: | BY: Consumer

So glad I have this insurance for my fur babies!

I’m so appreciative that I’ve have this insurance for my two fur babies. I’ve only used it twice and both times they have been there and grateful it’s there when needed.
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4

out of 5

POSTED: | BY: Rosangela de Azevedo

They are great

They are great. I haven't had any case for reimbursement yet. But they listen to you.
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5

out of 5

POSTED: | BY: Rebecca Bryan

Quick to review and reimburse for claim

Embrace was very quick to accept my claim, determine what my plan covers, and let me know what I would be reimbursed for my pet's medical care. I am very satisfied with Embrace. They are easy to work with, and it is easy to upload the vet's bill to the website. I'm glad I bought this pet insurance.
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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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