Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Ruth Nelson

The Best of the Best…

I have had Embrace for 6 years and unfortunately my GSP has developed allergies. Embrace has been there for Cooper the whole time. There are not words to express my appreciation for Embrace. I tell everyone that has pets, to use Embrace.
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5

out of 5

POSTED: | BY: Trevor Wilson

We used Embrace Pet Insurance for our…

We used Embrace Pet Insurance for our dog that we adopted in May. Unfortunately not long after we adopted him we learned that he had a huge kidney mass and although we tried everything, he passed away only 4 months after we adopted him. The representatives at Embrace Pet Insurance were awesome, kind and caring! They processed the claims very quickly and I would highly recommend them.
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5

out of 5

POSTED: | BY: Catherine Curtis

I submitted several claims last week

I submitted several claims this week. 2 of the 3 were reviewed and completed within 30 minutes! Embrace has always been expedient, fair, and very professional. I am so happy that we chose them for our pets.
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5

out of 5

POSTED: | BY: Nicole Mills

Great coverage

Great coverage, real people, easy claim submission and reimbursement process! I've been using Embrace for over 10 years and will continue too! Thank you Embrace for being there for us!
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5

out of 5

POSTED: | BY: Cynthia Hatfield

It's always easy to submit my claims

It's always easy to submit my claims. The turn around for my reimbursement is only a few days.
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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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