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: Rebecca Bryan

Quick to review and reimburse for claim

Embrace was very quick to accept my claim, determine what my plan covers, and let me know what I would be reimbursed for my pet's medical care. I am very satisfied with Embrace. They are easy to work with, and it is easy to upload the vet's bill to the website. I'm glad I bought this pet insurance.
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5

out of 5

POSTED: | BY: Janet Hash

Embrace customer service is great

Embrace customer service is great! Helped me find a plan that I can afford. And they've always been fast in processing claims.
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5

out of 5

POSTED: | BY: Jenny K.

It's self-explanatory

It's self-explanatory, easy, and fast!
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5

out of 5

POSTED: | BY: Cindy Rahal

Great experience

I've had two claims so far. One was submitted through the wellness side, and one was through the illness side. I literally had my reimbursement on both claims the next day after submitting them. The claims process couldn't be easier through the app. They've been so great. I couldn't be happier.
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5

out of 5

POSTED: | BY: Haley Thomas

Embrace has been great to us

Embrace has been great to us. Easy to purchase, straightforward and simple claims filing process, and quick reimbursements. When we initially purchased the policy, we asked for a medical review of our pets’ records so we knew in advance what would be considered a pre-existing condition, and whether any of those pre-existing conditions had expiration dates. This saved us any question or disappointment regarding what would and would not be covered. Embrace has not disappointed. They have processed our claims fairly and promptly every time.
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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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