Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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.
2

out of 5

POSTED: | BY: NORMA JEFFERS

Too long to process claims

Submitted my claim with invoice two weeks later requested invoice again from vet. Then two weeks later requesting all documentation of visit from vet. Still haven’t paid my claim for a well visit.
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5

out of 5

POSTED: | BY: Hannah Clingman

so easy and quick to submit claims

so easy and quick to submit claims, quick turn around
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5

out of 5

POSTED: | BY: Karen

Super easy submitting a claim

Super easy submitting a claim on Embrace web portal.
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5

out of 5

POSTED: | BY: Linda Shaw

I needed to add dog to my policy

I needed to add dog to my policy. The representative was knowledgeable and very patient. All my dealings with Embrace have been positive. Easy claim submission and follow up fantastic. Have been with them for 5 years.
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5

out of 5

POSTED: | BY: Donna Devine

Easy-to-use

Embrace Insurance is easy and friendly to use. Simply have the vet fill out the forms, attach itemized receipt and Vet Dr notes of visit, return to Embrace for refund after deductible. It's that easy!
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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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