Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Elyse Clawson

I just enrolled in Embrace Pet…

I just enrolled in Embrace Pet insurance so I don’t yet know how claims etc will work out. However, the customer service signing up and have the representative explain my options and address what I feel I need for my dog was excellent
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5

out of 5

POSTED: | BY: Arthur Birken

Everything was done quickly and with no…

Everything was done quickly and with no hassle. Very satisfied.
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5

out of 5

POSTED: | BY: Keeney

Ease of submitting claim

Ease of submitting claim. Ty
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5

out of 5

POSTED: | BY: Jeanette

Super easy to submit a claim

Super easy to submit a claim. Reimbursements are timely. And premiums are much less than my previous insurance provider.
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5

out of 5

POSTED: | BY: Timmy

When my dog had to go to the ER

When my dog had to go to the ER , it was naturally stressful for me.. but when they were released; all I had to do was upload an itemized receipt( which vets can give you very easily). Uploading the receipt via the app is Soo easy. Once it was uploaded there was nothing else to go. Embrace sent me regular emails telling me what step the claim was on. They did everything for me. While the actual vet er was stressful , filling a claim was not. I just withstood our people insurance was like this, totally recommend this completely
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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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