Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: Mary L

Submitting claims is easy

Submitting claims is easy. Turn around time is reasonably quick. Reimbursement is fair and easy. It's the best experience I've had with pet insurance!
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5

out of 5

POSTED: | BY: J Moore

Freddie’s first visit.

The form was easy to complete. Hopefully I did it right.
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5

out of 5

POSTED: | BY: Kathy Brown

The process is simple and quick.

The process is simple and quick.
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4

out of 5

POSTED: | BY: Diana DiStefano

Ease of submission

I am very impressed with the service that your company provides. When I call, I always speak to someone who is kind, professional and knowledgeable. Sending claims is seedless, and responses are quick.
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5

out of 5

POSTED: | BY: Michelle Smith

Staff is very responsive to requests…

Staff is very responsive to requests (excellent customer service). Ability to send documents with ease. Updates are easy and accessible. Great display of information on website.
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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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