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: LINDA BISCHOF

They are a little slope paying claims…

They are a little slope paying claims which is very frustrating especially when it’s just a pharmacy and you they have all the information and I hate that they’re going getting up more expensive all the time
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5

out of 5

POSTED: | BY: David Quigley

The claims process is very easy

The claims process is very easy
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5

out of 5

POSTED: | BY: Sylvia Welykholowa

Very quick response to submitted claim

Very quick response to submitted claim. Reasonable cost and great coverage.
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5

out of 5

POSTED: | BY: name withheld

Highly satisfied.

Highly satisfied. Not sure what was more impressive - their shockingly fast reimbursement or that they followed up to see how our sick pup, Adam, is doing. The team at Embrace have a very human touch and they've made the drudgery that is usually attendant to filing a claim, an absolute breeze.
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5

out of 5

POSTED: | BY: Laura Engels

Easy to file a claim

Easy to file a claim, and had answers within hours. Submitted a question and had clear understandable answer, also quickly- and no hard sell!
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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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