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: Paul

Adjusters paid promptly after requested info sent

It was great because the adjusters agreed with the vet's opinion the procedure was medically necessary. It was not so great because they wanted more info before they would pay, and they communicated with the vet for that surgery info. I had to get it from the vet, scan it, and submit to the claim. After that payment was rapid.
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5

out of 5

POSTED: | BY: Vicki Ginsberg

The best

The best. Quick claim service
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5

out of 5

POSTED: | BY: David Federle

Redemption!! Embrace Rocks!!

Redemption!! In the blink of an eye and without a warning, my Husky suffered a herniated disc which was very painful and debilitating...and also very expensive to diagnose & treat. Embrace helped take some of the pain away by covering all expenses according to my policy! Since then, Stella Blue has regained her ability to walk and she doesn't seem to be in pain. All the folks at embrace have been AWESOME to work with !!
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3

out of 5

POSTED: | BY: Christian Bullitt

Just ok

They adjudicated the claim fast which was great but didn’t explain what they were paying for and what they weren’t. Very vague saying I didn’t have enough coverage. I asked for more clarity but never heard back.
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5

out of 5

POSTED: | BY: Marsha Israel-Amarni

Quick turnaround time Only one day…

Quick turnaround time Only one day from the time I submitted my claim till I received reimbursement!
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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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