Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: Darlene Valade

Illness and Ease with Embrace

We have had a long 2 years dx’ing our pup. Embrace has made it super easy to submit claims and reimbursing us. Thank you Embrace for making this part of our pups health a lot easier and manageable.
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5

out of 5

POSTED: | BY: Christopher Mccormack

The turnaround time on my claims was…

The turnaround time on my claims was unbelievably fast and didn’t require too much from me. I expected to be frustrated and having to resubmit documents and run through the red tape normally associated with any insurance claim. This was my first time filing a claim with Embrace and I am highly impressed, thank you.
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2

out of 5

POSTED: | BY: Debbie Mallozzi

I am very disappointed plan does not pay for his surgery it was sent for biopsy you got paperwork should be covered . …

I am very disappointed paying monthly over 100.00 for my dog to be covered his surgery was a different type mass from 2022. Should not be compared to that . It was a small cyst on paw do to a bacteria. The mass Luka hasd now was totally different you should see that in diagnostic paperwork. I felt this should be covered. So I’m not sure if I will keep this insurance. Doesn’t pay to have .
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5

out of 5

POSTED: | BY: Jim Raney

Good experience. Very pleased.

The claim process was simple. I used the Embrace app. Embrace responded within 24 hours with a comprehensive explain what was covered and what was not. I thought it was fair. Good experience.
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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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