Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: G. Schuchman

Submitting a claim is so simple

Submitting a claim is so simple! When my claim is for prescription meds it is approved almost immediately and the reimbursement is typically in my bank account within 48-72 hours.
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5

out of 5

POSTED: | BY: Irena Khrebtova

Efficient claim submission process

Nice, clear, easy-to-handle website, courteous staff and efficient communications. A bit on the pricey side, but has been really worth it for us.
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5

out of 5

POSTED: | BY: heleln Scott

Amazing service

Amazing service! I have never had an issue in 3 years! Thank you! Embrace Pet Insurance!
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5

out of 5

POSTED: | BY: Jacqueline Patsouras

Jacqueline and Joel helped a lot

Jacqueline and Joel helped a lot. I had to update my card because my card that I had on file had gotten hack. Always have wonderful experience when contacting Embrace everyone is so great
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5

out of 5

POSTED: | BY: Scott Silver

I agree this is a great pet insurance…

I agree this is a great pet insurance company. Easy to submit claims, fast review of the claim, and quick turn around time on sending out funds. The invoices need to be for a single pet at a time, but once you are aware of that, it is a very smooth process
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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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