Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: 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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5

out of 5

POSTED: | BY: Tiffanie Mai

I have a dog close to me named Benji

I have a dog close to me named Benji. This insurance company helped him stay with me. I highly recommend this pet insurance company.
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5

out of 5

POSTED: | BY: Carrie Moore

Embrace always responds and processes…

Embrace always responds and processes claims promptly.
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5

out of 5

POSTED: | BY: Deanne Wojtas-Beeman

Great

I have been with Embrace for over 13 years. I have multiple dogs on my policy. I have to say the claims are promptly processed. Sometimes in less than a week. Other times it might be 2 weeks which is reasonable to me. I have one pup that has been extremely medically challenged. Embrace has been there every step of the way. It’s thanks to Embrace I still have this sweet boy. Customer Service has always been outstanding. I’m very pleased with 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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