Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Nick C.

Much better than the main competitor in…

Much better than the main competitor in my experience. Very easy to submit a claim. Felt that they treated us more fairly than I saw with their largest competitor (starts with an F).
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5

out of 5

POSTED: | BY: Ruth Praast Bolejack

Long time Embrace Pet Insurance Subscribers

We have been with Embrace Pet Insurance for years. They have always paid quickly and been a godsend when our dog developed a cancerous tumor (adenocarcinoma). Paid to the maximum when he had radiation treatment. He is doing great! This visit wasn't for cancer, but a different issue and I don't expect any problems!
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5

out of 5

POSTED: | BY: Derek Whitton

They make it easy and helpful when…

They make it easy and helpful when submitting claims.
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5

out of 5

POSTED: | BY: Sandy

I have a dog with serious liver disease…

I have a dog with serious liver disease and have submitted multiple invoices, large and small to Embrace. They have consistently repaid me in a timely manner. This gives me a bit of comfort during a scary time. Thank you, Embrace!
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5

out of 5

POSTED: | BY: Mary Jane Anderson

Filing a Claim

I was having difficulty logging in to file a claim. The customer service person was so patient! She advised me on how to best access my account so I could file a claim. I got into my account the first time after taking her advice and was able to submit my claim in about 2 minutes.
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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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