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: Wesley Taylor

I have been with Embrace over 6 years…

I have been with Embrace over 6 years now and it's been nothing short of superb. I've had some expensive claims on my late little man Winston over the years and Embrace reimbursed me every time with no problems. To me pet insurance isn't an option so I highly recommend it.
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5

out of 5

POSTED: | BY: Gail N

Perfect

Quick review, immediate payment, professional experience all around. Thank you.
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5

out of 5

POSTED: | BY: Jeannette chwaliszewski

This is an Amazing pet insurance…

This is an Amazing pet insurance company. I have this insurance since 2019. Submitting claims are so easy thru the APP or website. Quickly respond from The claim department.
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1

out of 5

POSTED: | BY: Ana Hidalgo

Nothing was covered

Nothing was covered! Why do I even have pet insurance?
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5

out of 5

POSTED: | BY: Sandra Marder

Embrace makes it so easy to file the…claim

Embrace makes it so easy to file the claims for my Lucy, who unfortunately has anxiety and severe allergy. I’m so thankful that embrace is helping us with all our claims and reimbursing us so quickly.
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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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