Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Mindy

They are a great company!

We have had Embrace for years and never needed it. But when we did Embrace made it so easy for us to file claims and reimbursement. Would highly recommend them for your fur babies .
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1

out of 5

POSTED: | BY: Valued Norton Customer

Embrace changed the category of my…

Embrace changed the category of my claims submission. Basically, a $500 plus surgery was re-categorized and I do not get any money back. I picked embrace based to insurance refunds, and submitted according to their insurance policy.
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5

out of 5

POSTED: | BY: Ray R

Worth it

After our dog spent several days in the ER, we were presented with a very large bill. The claim process was extremely easy - used the app to take pictures of the invoice and submit it. It took about three days to get approved and payment was sent. I was skeptical about purchasing “pet insurance” initially but this helped us avoid a big financial hit when we couldn’t really afford it.
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5

out of 5

POSTED: | BY: nancy

helpful and responsive

helpful ph conversation responsive to claims
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5

out of 5

POSTED: | BY: Tom

Submitting the claim was easy.

Submitting the claim was easy. Reimbursement was fast.
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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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