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.
3

out of 5

POSTED: | BY: Aric Browne

I was disappointed that on $2,000…

I was disappointed that on $2,000 emergency bill I only received $980 approx. I understood $400 deductible but still believe number should have been a lot higher. Things like the exam were not covered. How do you bring pet in to emergency and not get an exam.
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5

out of 5

POSTED: | BY: Henry M Flores

I have been an Embrace customer for six…

I have been an Embrace customer for six years with 3 dogs on my policy. They have always been there when I need to file my claims ranging from ER visits to specialized care for one of my dogs for Valley Fever which is difficult to treat. I am very happy with their customer service and fast claim service. And the mobile app makes submitting claims easy and quick and the repayments are fast.
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4

out of 5

POSTED: | BY: Molly G

Solid policy. App needs work

I really like my insurance policy so far. I wish the app had an option to upload and attach files for claims. Right now you can only use the camera function, which isn’t helpful when most statements are no longer paper.
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5

out of 5

POSTED: | BY: Diana Maberry

Fast claim service Ease of submitting a…

Fast claim service Ease of submitting a claim through the app.
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5

out of 5

POSTED: | BY: Deb

It was easier to use and took only a…

It was easier to use and took only a few minutes to submit information.
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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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