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: Patricia Lynott

I am a huge fan of Embrace

I have had three pets insured with Embrace. Each time I have filed a claim the response is quick, easy to understand, and they always make me feel as though they care very much about my dogs.
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5

out of 5

POSTED: | BY: Kate McClelland

Fast and easy process to submit claim

Fast and easy process to submit claim
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5

out of 5

POSTED: | BY: Ken

Excellent Customer Service

The agent I spoke with was patient, professional, and pleasant. We were able to confirm and instate a policy change, a change to method of payment, and a records review in one seemingly short call (less than 15 minutes). I appreciated the knowledge and expertise in handling my questions and making changes.
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1

out of 5

POSTED: | BY: Barbara Warner-Payne

Submitting a claim takes multiple…

Submitting a claim takes multiple attempts, both with the veterinary and by submitting the claim. I had to continually check in and determine what was happening with the claim to get it resolved and paid. some of the claims are still not completed from 10/22/2024
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5

out of 5

POSTED: | BY: joyce

Embrace Pet Insurance

Both dogs went for a check-up. Embrace paid both bills quickly (next day). Embrace was a great choice for pet insurance because it puts my mind at ease if/when my pets are sick.
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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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