Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: T Dauser TeeDee

I chose Embrace over Trupanion

I just submitted a new claim on my 7 week old puppy. I hope there are no issues for her wellness exam. She did get a clean bill of health.. However there are more vaccinations needed. I chose this insurance over Trupanion because of the wellness coverage. We shall see.
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4

out of 5

POSTED: | BY: Agnes Asberry

A call to Claims started the process…

A call to Claims started the process and retrieving medical records was a breeze with Embrace Representative taking the initiative to reach out to the hospital of service.
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5

out of 5

POSTED: | BY: Raymond Murray

Easy to make a claim

Embrace is easy to use. Claims are submitted with ease and feedback is immediate
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5

out of 5

POSTED: | BY: Terry JoHansen

Submitting a claim is very easy

Our estimate was reviewed and approved in a timely manner. Staff is very helpful on the phone, too. The website is easy to navigate.
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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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