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: Ben Kaplan

Great option

Efficient review of claims, stand by their policies - what you read is what you get. Simple, easy to understand policies. If something will be excluded, they make sure you know. Handle estimate process easily in case there's any concern on coverage. Human, company-employed representatives available for anything you can't handle in the app (which is pretty easy)
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5

out of 5

POSTED: | BY: Lisa Bauer Luka's Mom

Highly suggest Embrace

I am so happy I chose Embrace over all of the other Pet Insurance plans out there. Monthly premium is very competitive and claims are SUPER easy to submit and are paid within days.
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5

out of 5

POSTED: | BY: Devon

Quality when it counts.

We have had Embrace Pet insurance has always worked with us and helped us for all the preventative and emergency treatment episodes we have had for the past 7 years with our Yorkie. They have quickly processed our claims and if there is need for additional documentation from the Vet or an additional form to complete. Payment has always been quick to be transferred to our bank account. I would unquestionably recommend Embrace to any pet owner.
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5

out of 5

POSTED: | BY: James Brissenden

Embrace Shared $ Burden of ACL surgery

Recently our year-old Corgi required ACL surgery. Embrace promptly handled the claim and kept us advised online of the deductible as it accrued and when the final benefit amount would post to our checking account. We are happy to have Embrace pet insurance which paid almost $2000 of an expensive, but necessary, surgery.
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1

out of 5

POSTED: | BY: Bryan Weaver

This insurance is terrible

This insurance is terrible. Every claim I have ever submitted barely gets approved. This pet insurance is such a cash grab. Waste of month.
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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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