Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Trevor Hendrickson

Always professional and timely

The team at Embrace is extremely knowledgeable and friendly to work with on all of our claims experiences. They have always been quick to communicate and help us settle insurance claims.
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5

out of 5

POSTED: | BY: Linda Montgomery

Grateful

It’s so helpful to get dog insurance when your puppy is healthy! My, now one year old, has had a lot of tummy issues. We’ve had lots of x-ray, labs, and prescriptions. We finally have it figured out and I was so glad I had her on insurance. I won’t have to worry about pre-existing conditions. All claims have been paid in a very timely manner. The app is simple to use.
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5

out of 5

POSTED: | BY: Marilyn Robles

Was easy and quick no hassle

Was easy and quick no hassle
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5

out of 5

POSTED: | BY: Lawrence Sternstein

Best Pet Insurance

Increedibly prompt and efficient with claims processing and payment. Customer Service is outstanding and professional and easy to deal with. A top notch company to use!
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5

out of 5

POSTED: | BY: Justin Pham

ER Visit

The app was very easy to use. It is extremely convenient to be able to take a photo of receipts and upload it to your claim. Embrace was quick to respond that they received and process it. I was told it would be 10 business days to receive a check, I have yet seen it. Maybe it's delayed. Overall thankful that I'm covered by Embrace. Update: Checks were sent to a previous address, I've since received them. 5/5
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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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