Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Lisa

So Grateful for Embrace Pet Insurance

So Grateful for Embrace Pet Insurance. Our Eldest dog has had knee replacement on both hind knees and is now going through heart failure. Submitting claims is so easy online. And while I would do anything for my fur babies, knowing I would be reimbursed by almost 80%, I honestly didn't worry about cost. Embrace gave me peace of mind!! Having them insure our pets was the best decision we ever made!!
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5

out of 5

POSTED: | BY: Michele Rose

Submitting Claims

The process of submitting claims is easy breezy.
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5

out of 5

POSTED: | BY: Stacia Pelletier

Highly recommend!

Highly recommend. They saved me thousands of dollars last year when our dog had a chronic joint wound that required weekly vet visits and eventual amputation. THOUSANDS. It's worth the hassle to file the online claim and wait for reimbursement. Sometimes you have to nudge your vet or call Embrace to find out if something stalled on their side, but they always come through. Just don't expect them to pay for annual wellness exams. This is for medical-need visits only. But if your dog is anything like my border collie, those medical need visits can add up FAST. Embrace is great.
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5

out of 5

POSTED: | BY: John Hurley

Great Claims Process!

Embrace is a wonderful company. Very easy claims process. I imagine this is a great company to work for.
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5

out of 5

POSTED: | BY: A.Lyons

Extremely User Friendly

Ease of use. The updates have made submitting claims so much easier. I just need to get better at submitting them more timely.
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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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