Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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.
4

out of 5

POSTED: | BY: Susan

The claims process is easy

The claims process is easy, efficient and fast. My major complaint is not being able to appeal a premium increase to a manager. I moved from one zip code to another but stayed in the same geographical area and continued using the same Veterinary practice but the new zip code change caused my premium to increase by $18/ month.
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5

out of 5

POSTED: | BY: Barbara

Seamless submission

The claim submission with Embrace is seamless and I love the Fetch Dog element.
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5

out of 5

POSTED: | BY: Birgit

The policy was easy to set up and…

The policy was easy to set up and customer service was excellent. Thanks to USAA, I got a discount for my pups insurance.
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1

out of 5

POSTED: | BY: Eva

Never solved my claim with the excuse…

Never solved my claim with the excuse waiting for paperwork I faxed everything Then was maybe old problem Baby tooth was chipped and extracted should be completely covered by insurance Almost one hour wait when you call
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5

out of 5

POSTED: | BY: Sophie Mercer

Super easy to submit claims online

Super easy to submit claims online. I have not had any large claims to attest to reimbursement, but no other issues with embrace so far!
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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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