Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,691

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: Darlene

Embrace has been great..

Embrace has been great... I've had them for almost 5 years ever since I got my pup. They always pay promptly and I can't remember ever being denied a claim.
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1

out of 5

POSTED: | BY: Michael Felmly

Joshua's Cancer

Tired of being kept in the dark regarding reimbursement and status of claim
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5

out of 5

POSTED: | BY: Karin Kessler

Easy to submit claims and quick…

Easy to submit claims and quick reimbursements by Embrace Insurance Company.
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5

out of 5

POSTED: | BY: Michal Frock

It’s been almost a year that I’ve use…

It’s been almost a year that I’ve use embrace ins and so far it’s been great. All claims were resolved promptly and was paid in 1-2 days. Also when you call there is always a person to talk to and help with any questions
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4

out of 5

POSTED: | BY: Sue Misterka

Had a question about my claim

Had a question about my claim. Answered quickly and professionally.Friendly customer service person. Received claim in account the next day.
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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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