Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,737

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: Sharon Aiken

My Rudy would not be alive without…

My Rudy would not be alive without Embrace. His cardiomyopathy lands him in the hospital frequently. Embrace covers 90% of his very pricey visits.
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5

out of 5

POSTED: | BY: Stephen M

Easy and quick

I uploaded the bill into the app and had the payment approved within a couple of days. I couldn't be easier.
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5

out of 5

POSTED: | BY: Rayesfam

Our cat Simon was diagnosed with cancer…

Our cat Simon was diagnosed with cancer and the Embrace claims process every 4-6 wks was nothing less than expeditious! Not having to worry about carry over bills and all being reimbursed with speedy & with no hassle was a heavy lift off our family's shoulders to not have to worry about and focus and our beloved Simon. Embrace is A++++
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5

out of 5

POSTED: | BY: Anonymous

Excellent pet insurance

Excellent pet insurance! Quick pay, easy to submit documents!
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5

out of 5

POSTED: | BY: Flo

Extremely easy to file a claim.

Extremely easy to file a claim.
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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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