Embrace Pet Insurance Review - NerdWallet

Embrace Pet Insurance Review

Embrace Pet Insurance Review

Embrace pet insurance has coverage available for both dogs and cats. Plans include annual payout limits of $2,000, $5,000, $10,000 and $15,000, with a lifetime limit of $50,000. Pets must be at least 8 weeks old to enroll but once accepted they will be covered for life. Age limits to enroll for dogs are 9 years for mixed and 7 years for purebred. Age limits to enroll for cats are 11 years old for mixed and 9 years old for purebreds.

The company offers quick claims processing and exceptional customer service. But there is a con to going with Embrace: There seems to be confusion when it comes to paperwork submitted by the customer. Overall, Embrace is a solid company that routinely gets high marks among reviewers.

  • All spayed or neutered pets receive a 5% discount.
  • Customers can choose their own annual maximum, deductible and reimbursement percentage.
  • The Wellness Rewards flexible routine care plan covers regular veterinary care, and has no per-item limits.
  • Full genetic coverage: No limitations regarding genetic and hereditary conditions.
  • Does not cover prosthetic limbs, pregnancy or illness relating to the teeth and/or gums.

Image via iStock.

  • Did you find this article helpful?
  • yes   no
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.