Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Katherine Riley

Quick response to claims

My cat is having some health issues so I've had to file several claims at once. My claims were all approved the next day. Filing claims through the app is easy and convenient.
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5

out of 5

POSTED: | BY: Dalia Nazari

Happy with the service

Happy with the service
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5

out of 5

POSTED: | BY: An Ro

easy to deal with

The claims process is simple. Adding a new pup midstream gets complicated; I had to call the company to resolve the problem. I’ve insured my pups with Embrace for several years. I am satisfied with the level of service and speed of claims processing.
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5

out of 5

POSTED: | BY: Diana Bunzel

Easy Claims Process & Quick Reimbursement

It’s very easy to submit a claim. I’m happy that my claim was approved so promptly! The direct deposit feature is great, and it only takes a couple of days for reimbursement on a claim. Also, I feel that the 10% co-insurance is quite reasonable.
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5

out of 5

POSTED: | BY: Jayne

Claims were processed efficiently

Claims were processed efficiently. Great communication between Embrace and rendering providers. I felt like someone was handling my pet’s claims personally.
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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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