Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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: Rebecca Mazariego

Love how easy it is to file claims

Love how easy it is to file claims. Also received what they covered super quick. Very happy with Embrace. It brings me peace knowing if there is ever an emergency I am covered.
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5

out of 5

POSTED: | BY: Chiara

Embrace Makes the Difficult a lot Easier

My brother spoke very highly of Embrace when he and his family lost its four-footed member a few years back. Since that time, I signed up as I have an aging kitty who now needs regular shots. Embrace has been so easy to deal with for something that is tedious and expensive. I feel like they know my situation AND my furbaby! I highly recommend them.
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5

out of 5

POSTED: | BY: John Roig

Speedy claim; review and reimbursement

Documentation provided; evaluation done quickly and reimbursement could not have been quicker.
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4

out of 5

POSTED: | BY: D.L. Cuccio

Almost 5 stars

This was my first time having to file a claim. The online assistance was good, and the assistance with a representative on the phone was excellent! I gave a 4 star review because the "drop-down" choices for a diagnosis was very limited. Otherwise, my experience was 5 stars.
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1

out of 5

POSTED: | BY: Rhandert Navarro Cartaya

I wait more than a month

I wait more than a month
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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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