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.
5

out of 5

POSTED: | BY: Jovita Adjabeng

Great service!

Our new puppy got sick on Christmas day and gave us a gift of a hefty emergency hospital bill! We were lucky it was also the day when our sickness coverage started. The customer representative I spoke with before submitting the claim was extremely helpful and very nice. They advised that the first claim could take up to 30 calendar days, but our claim was completed twice as fast (and only took longer because the hospital double-charged us for one item). Every day I logged into the app, there was some update. I am really impressed by the efficiency of the claim adjuster. I think we made a great decision by choosing Embrace for our puppy.
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5

out of 5

POSTED: | BY: Sonia Kennedy

Lots of repeated questions

Lots of repeated questions, but after all good service.
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5

out of 5

POSTED: | BY: Noelle

Transparency and Ease

Their policies are up front and I've never been denied a claim.
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5

out of 5

POSTED: | BY: BJ McChesney

It was easy to submit the claim

It was easy to submit the claim. No problems at all.
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5

out of 5

POSTED: | BY: anilsa rubiani

It was very easy to use and helpful in…

It was very easy to use and helpful in my claim.
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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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