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: Morgan Monroe

Great Customer Support

Every interaction I had with the Embrace customer service team was memorable. Each person was able to answer my questions and give me comfort since my dog was diagnosed with cancer. Each person was very patient and made it very easy to understand the benefits I had in my policy. The claims process is fairly easy (through the app) and most of the claims I submitted were approved in a few days.
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5

out of 5

POSTED: | BY: Kenneth Pritchett

Customers Service Call

The customer service representative was very help with answering my question when I called. I am so glad, I decided to purchase the pet insurance for my grand-dog.
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5

out of 5

POSTED: | BY: Laura Shaver

Jade’s nares surgery

The claims process was smooth and the money was direct deposited into my back account.
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5

out of 5

POSTED: | BY: Cindy

It is so easy to submit claims

It is so easy to submit claims, and I am very happy with the coverage
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5

out of 5

POSTED: | BY: Renie Wirkus

Great Insurance

I have had Embrace for over 5 years and have not had a single issue. Claims are easy to submit and are quickly processed. Communication is timely and effective. We have had a number of significant events with our pets over the years and Embrace has covered them all. Knowing that we have good coverage is one less thing to worry about when something unfortunate happens.
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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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