Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Renee Helms-Black

I made a claim and in a very short…

I made a claim and in a very short time, the claim was paid. Easy Peazy! Thanks so much!! Renèe
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5

out of 5

POSTED: | BY: Carrie

The process for submission and…

The process for submission and reimbursement was very easy and the claim was paid fast which helped a lot during a stressful surgery and recovery for our dog.
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5

out of 5

POSTED: | BY: Linda L. Lovewell

Change of payment method

Everytime I call, they are very kind and informative. No problems with anything. Ease in every aspect of service.
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5

out of 5

POSTED: | BY: Leland Meekins

Quick and efficient - will definitely use again

Embrace processed our emergency claims quickly and the refunds were deposited to our account without issue. We had initially paid for a year of coverage for our puppy but after an unforeseen tragedy, we had to euthanize him after 2 months. Embrace was extremely sensitive about the horrible situation and refunded our policy for the prorated amount. We will absolutely use them again in the future.
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5

out of 5

POSTED: | BY: Kristen Cichowicz

Kind and Helpful

Embrace reps were very kind and helpful. Offered condolences on loss of my Bella and sent beautiful card.
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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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