Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Gloria M

Top notch customer service

So far over the past year and a half embrace has been great. They have handled any claims that I’ve had quickly and I have had no issues whatsoever. I’m so glad that I went with embrace for our Jessie Mae’s insurance policy. It has been a real pleasure to work with them. They may not be the cheapest, but I had concerns on pre-existing issues. They were one a few that will pay for curable diseases or illnesses after a certain amount of time with no issues. It has proven true and we feel very confident using this insurance company.
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4

out of 5

POSTED: | BY: Unhappy Camper

Good selection of plans

Good selection of plans. Reliable. Fast reimbursement of claims.
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5

out of 5

POSTED: | BY: Kiani

Very easy to submit a claim and follow…

Very easy to submit a claim and follow up using the site. Would definitely recommend Embrace to my friends and family.
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5

out of 5

POSTED: | BY: G. Schuchman

Submitting a claim is so simple

Submitting a claim is so simple! When my claim is for prescription meds it is approved almost immediately and the reimbursement is typically in my bank account within 48-72 hours.
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5

out of 5

POSTED: | BY: Irena Khrebtova

Efficient claim submission process

Nice, clear, easy-to-handle website, courteous staff and efficient communications. A bit on the pricey side, but has been really worth it for us.
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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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