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: Rockland NY

Amazing experience

Amazing experience from first phone call to direct deposit of reimbursement. Customer service walked me thru the process, helped me setup the app and even followed up on my dog. I could not have asked for better service!
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5

out of 5

POSTED: | BY: Kim Speece

Great Pet insurance

Great Pet insurance. Always pay on time and wonderful customer service.prices Did go up this year. Overall very happy
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5

out of 5

POSTED: | BY: Houston

Excellent Claim Turn-Around

This was my first claim and it was seamless. I’ve had different pet insurance in the past, and as a point of comparison, Embrace was simple and fast. I submitted two claims one of which was significant. I expected a hassle which did not happen. I received check within 10 business days if submitting.
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5

out of 5

POSTED: | BY: Gail K

I like the wellness rebates

I like the wellness rebates because it pays for itself and more by participatin😍🥺g in the top tier. My dog recently had a big cyst removed and the insurance paid for the cost. 👍
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5

out of 5

POSTED: | BY: emilee pakele

Always timely in a response

Always timely in a response, their Embrace claim site is super easy to use!
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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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