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: Clare Sullivan

Super Easy Claims Process

Super Easy Claims Process. The website was clear with instructions and I received a quick approval for my Finley's emergency medical treatment.
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5

out of 5

POSTED: | BY: Carol

I forgot who I talked to but he was…

I forgot who I talked to but he was very helpful. He had a nice attitude and honest character!
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5

out of 5

POSTED: | BY: Hoffman

I had several submissions to add at…

I had several submissions to add at once. It was so easy to enter the information and the quickness of answering back and deposit of funds was incredible. I would recommend Embrace to anyone looking for pet insurance.
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5

out of 5

POSTED: | BY: Paul Bachand

Embrace makes it easy to submit a claim and they process claims quickly!

Embrace makes it easy to submit a claim. They are very fast on processing the claim and providing payment.
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5

out of 5

POSTED: | BY: Coastie

My Very First Claim

I am new to pet insurance and the claim was not been processed and when I learned the reason it was because they have not received my dog's previous medical reports from the vet's office. Once they received my dog's medical report (my vet's office carelessness), my claim was processed quickly and now I am just waiting to receive any of the refunds.
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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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