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: MB Womer

Quick, easy claims process!

These days with all of the specialty care for our pets, it is essential to have pet insurance. And with big dogs come big bills! We've had Embrace pet insurance for our Leonberger for the past 6+ years, and our girl had TPLO surgery in April. I was able to quickly and easily submit our claim online, and Embrace took care of everything from there on out - contacting our vet to get the medical notes, etc. Claim was paid via direct deposit with no pushback at all less than two weeks later. Embrace made it easy.
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5

out of 5

POSTED: | BY: Eleanor

Embrace is always prompt in settling…

Embrace is always prompt in settling multiple claims and has been thorough in reviewing all conditions.
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5

out of 5

POSTED: | BY: Mariana

First Time Claim

I recently had to take my cat into the vet since he wasn't feeling well. This is the first time a vet visit was needed other than his regular annual visit. Embrace's app makes submitting claims really easy. I had a response and my reimbursement within a week. Pet parents should not have to worry about a stressful insurance process. Happy to report that my cat Quincy is doing well again! Thank you Embrace.
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5

out of 5

POSTED: | BY: Jeanette Wyneken

Straight forward claims experience

My claims were easy to submit. The amount covered was straightforward and explained clearly. Our experience made it clear why pet insurance is a good investment.
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5

out of 5

POSTED: | BY: Randy Delfs

Finn

I debated whether or not to get insurance for Finn (my new yellow Lab pup). It turns out Finn had an accident and needed steel plates put in both knees. The cost of surgery was almost $15,000.00. I only had Embraces insurance for a few months and was worried Embrace would not cover it. I was so wrong. To my surprise, Embrace coved the entire amount. I would highly recommend Embrace Insurance to anyone who has a dog. Thanks Embrace.
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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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