Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,757

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 Golden

Efficient and smooth claim process

Our dog recently needed CCL surgery. The claim process has been incredibly smooth for all 3 claims so far (the surgery had pre-op and post-op costs). Embrace did everything well and efficiently.
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5

out of 5

POSTED: | BY: Donna S

Embrace…thank you so much!

Embrace thank you! You made a very unexpected and stressful surgery for my 18 month old Jack Russell easy. Worrying about my little girl and the money was made a whole lot easier by your claims process. The explanation of benefits was easy to understand and money was deposited quickly. I’m glad I chose Embrace! Thank you.
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3

out of 5

POSTED: | BY: AvidDiva Nyerforlife

Finally received some reimbursement for…

Finally received some reimbursement for my pet care expenses. The website remains wonky but my refund deposited really quickly.
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4

out of 5

POSTED: | BY: Nicole

Double premium on my renew date

I had great experience with embrace in the past. The reimbursement was quick and easy. But I decided to switch embrace to other insurance company after they doubled my premium on my renew date. I haven't submitted any claim for the past 2years. It is unacceptable that they increased this much.
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5

out of 5

POSTED: | BY: Judith Birch

Your employee "Dillon" very helpful

We had a question. Called and spoke with Dillion. Very knowledgeable and easy to understand!
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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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