Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Zera M.

So far so good!

I got this insurance for my 10 y/o shih-apso Maggie 3 years ago. So far its been a lifesaver for my dog and really helps with the cost of her care. She has one preexisting condition that could not be covered under the policy, but everything else has been fine. The claims process is pretty easy with the portal; however, the processing time–from submission to reimbursement–varies, usually 3 weeks. Very happy with my experience.
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5

out of 5

POSTED: | BY: Sharon Lucas

First time I submitted a claim

First time I submitted a claim. Good so far
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5

out of 5

POSTED: | BY: tammy tomczak

Tyler in customer service was very…

Tyler in customer service was very helpful. I had tried to start a claim online but ended up having to submit via email. Tyler in customer service was very helpful.
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5

out of 5

POSTED: | BY: Sandra Stockton

Today

Today, was my first time using Embrace to file claims for my pets. It was so user friendly. I’m glad I chose Embrace to be my pets’ insurance provider.
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2

out of 5

POSTED: | BY: Tom

You ask for a diagnosis and ours is not…

You ask for a diagnosis and ours is not listed but you insist on us picking one. Thus we pick one but it is not totally accurate. Add a place to write one in..Also answer the phone in under an hour and make everyone happy.
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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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