Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: John Gallo

Highly Recommend!

We have been using Embrace for our Aspen for years, I would give them 6 stars if I could. Quick to respond, easy to talk with someone on the phone, app is straightforward and easy to use. Embrace really does make it easy...plus the price is great!
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5

out of 5

POSTED: | BY: Suzanna

Claim is easy to understand

Claim is easy to understand, fill out and submit.
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5

out of 5

POSTED: | BY: Bob and Becky Bazemore

Very easy claims process

Very easy claims process
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5

out of 5

POSTED: | BY: Tom Alkazin

Claims process

Easy to file..... simple to submit!
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4

out of 5

POSTED: | BY: Bill

Submitting claim is easy

It is easy to submit claims but questions arise as to what is covered and what is considered preexisting conditions. I am glad I have the insurance but with what I pay in premiums, I wish the coverage for accident/illness would cover more.
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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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