Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,675

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: S Leicester

Claims experience reinforced that I bought the right plan

The processing of my dog's orthopedic claim was fast. Less than 2 weeks. It was easy to submit a claim and the process was painless. It helped reinforce to me that I made the right decision to purchase this insurance and it responded when we had a major issue.
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5

out of 5

POSTED: | BY: Bethany

I’ve had Embrace pet insurance for five years

I’ve had Embrace pet insurance for about 5 years. They have been amazing. Quick reimbursement times and really good customer service. The app for my phone is very user friendly. I am glad I chose them for my pet insurance.
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5

out of 5

POSTED: | BY: Jim Kopf

Quick response to my inquiries

Quick response to my inquiries. Stayed on the phone to make sure my problem was resolved
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5

out of 5

POSTED: | BY: Mary Ann Taylor

I was…

My claim was reviewed and I was reimbursed very 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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