Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: Fatima Farias

I have 5 pomeranians

I have 5 pomeranians and are all covered through embrace. I don't submit many claims because I take care of my pups very well. But the times I have the process to submit a claim was so smooth and easy. They keep me updated and I can also keep track on the app. My claims were approved in a timely manner and they offer direct deposit. The prices are great and the customer service is good too. As far as insurances go I am very pleased with embrace.
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5

out of 5

POSTED: | BY: Katey Kennedy

Super easy

Super easy! Submitted everything from my computer only took a few minutes. Claim was closed & paid within 24 hours. This is why I love Embrace :)
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5

out of 5

POSTED: | BY: TODD T

Easy submission of claims

Easy submission of claims. Quick turnaround. Absolutely no questions or problems. We were pleasantly pleased that everything went smooth because this was the first time making a claim and did not know what to expect. Honesty and customer awareness on behalf of Embrace are thumbs up.
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5

out of 5

POSTED: | BY: James Ciminello

Have had this insurance for almost 20…

Have had this insurance for almost 20 yrs. They have been there for us always and very prompt.
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5

out of 5

POSTED: | BY: Jane

So easy

So easy. The money was in my checking account within a week!
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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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