Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,923

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: Amy Whitney

So Thankful For Embrace Coverage!

Pet insurance isn't cheap, especially as they get older, but it has been invaluable in giving us peace of mind when we've been concerned about a health issue. Our 10-year-old chocolate lab had a lump that turned out to be cancerous, then surgery, then complications from surgery, then three months of follow-up appointments (and cone wearing, poor thing!). The whole ordeal cost THOUSANDS of dollars and because of the high level plan we had selected, 90% of the costs were reimbursed to us. I am so thankful that concerns about money didn't prevent us from essentially being able to save his life. Our tabby cat is 9 1/2 and I just submitted her first claim; our out of pocket expenses will cover 2/3 of the deductible and because I expect additional testing and treatment to diagnose and treat whatever is causing her to have bald spots, I am again relieved to know that I can afford to do what is needed for her because soon 90% of the costs will be reimbursed. Like I said, it's pricey, but if you can manage the monthly payments, it brings so much peace of mind when those big things happen!
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5

out of 5

POSTED: | BY: Jeannette Uzeta

Fast and easy claim process and reimbursement

We have been customers of Embrace for over a decade and are always impressed by their service. Pricing is fair, and I appreciate the ability to add on services like wellness. The online claims submission is incredibly easy, and the explanation of benefits is easy to understand. Even if something is not covered, I understand why. I wish all insurance were this easy to deal with!
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4

out of 5

POSTED: | BY: Haymes

Quick, easy and done

Appreciate the rapid timing on claim process. Review process was quick. Received call from customer service team to discuss renewal. Provided all info requested to compare with previous numbers, as well as other options. Nice and easy website which makes it easy to submit claims.
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5

out of 5

POSTED: | BY: Susan Ziobro

Embrace has covered my cats for nearly 15 years

Embrace has been covering my two cats for most of their 15 years. It has been easy to file claims. I receive electronic reimbursements. I have peace of mind that I can continue to afford and pursue quality care for my boys as they age.
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5

out of 5

POSTED: | BY: Shawna Handschug

Simplicity of use.

Simplicity of use.
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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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