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.
4

out of 5

POSTED: | BY: Richard McDaniel

very satisfied

very satisfied. We have utilized Embrace for years. It can seem expensive - that is until you have an opportunity to make a claim and then appreciate their help. Making claims is very straightforward and their response time is reasonable. No claim we have made has been rejected. We have run up against the annual benefit limit, but that is per policy.
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5

out of 5

POSTED: | BY: Rose Young

Easy to submit claims

Submitting a claim on line is very easy, no form to fill out just a few items to enter and then upload the invoice.
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5

out of 5

POSTED: | BY: Stephanie

I had a very sick little Yorkie and we…

I had a very sick little Yorkie and we went to urgent care twice and my vet once. I was surprised at how easy it was to file a claim and how quickly it was processed. I’m so glad to report my little guy is better and the claim was processed so quickly. Thank you for being there in our time of need
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5

out of 5

POSTED: | BY: Susan Wade

They have been quick and have paid…

They have been quick and have paid exactly what they said they would. They are helping me provide my best friend with the best possible care and I thank them.
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5

out of 5

POSTED: | BY: scott bechler

Embrace has been excellent to work…Excellent Claim Process

Embrace has been excellent to work with. It is easy to submit claims and they reimburse very quickly. It has been great to know they stand by their insurance and it makes us feel great to be able to take care of our dog accordingly without financial debt.
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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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