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: Cameron

Quick & easy

Super quick and easy to send in my claims. I received a response for one claim in less than 24 hours, and a response to another (more in depth) claim within 3 days.
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5

out of 5

POSTED: | BY: Diana Flontas

Very easy to file claims

Very easy to file claims, good customer service!
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5

out of 5

POSTED: | BY: Debra Lazar

Embrace Pet Insurance Company

I can’t begin to say how wonderful Embrace Pet Insurance is for me. Our beautiful pet started having seizures about a year ago and I don’t know what we would have done without Embrace Pet Insurance. The cost in the past year has been unbelievable but Embrace has been amazing. Within a couple of days of filling out a claim Embrace responds and the money is in my account by the next day. I will always recommend this company to anyone. Embrace Pet Insurance Company is by far the best!!
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5

out of 5

POSTED: | BY: Brittany Roberts

Embrace will always be my go-to pet insurance

I used Embrace for my cat, Lucy, all throughout her life after I adopted her. Embrace was easy to work with for the vet visits here and there and then when Lucy turned 12 she developed terminal lymphoma and this is when I realized it was crucial to have a partner like Embrace there with me. They made it easy to submit and have more expensive chemo visits covered and then unfortunately when Lucy passed, Embrace made it very easy to discontinue service with no penalties and walked me through all next steps. Thank you, Embrace, when I am ready to adopt another cat you will be my first pick!
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5

out of 5

POSTED: | BY: Jean Harrell

Always fast at claims

Always fast at claims
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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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