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: MGT

Excellent Pet Insurance Comapny

For years I have been looking for a quality and fair Pet Insurance company that is reasonable in cost and good with claims. I found it with Embrace Pet Insurance. They have a nice selection of options to help minimize one's premiums. The claims process is very easy and they are quick in dispositioning them.
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5

out of 5

POSTED: | BY: Jodie Barnett

Claims are easy to make online

Claims are easy to make online. Claims are reviewed very quickly. And claims are paid shortly after that. There’s almost no wait time, and I’m quite thrilled!
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5

out of 5

POSTED: | BY: MICHAEL VANSUCH

So glad we have Embrace insurance for…

So glad we have Embrace insurance for our Snoodle. As she has aged, several related medical conditions arose in which Embrace came thru for us in assisting with our vet bills.
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4

out of 5

POSTED: | BY: Cheryl Senter

I'm grateful to have pet insurance

I'm grateful to have pet insurance The positives are that they recognize holistic care. Acupuncture is allowed. My beloved husky mix Bella developed hermangiosarcoma in 2019. Her spleen ruptured. The ER recommended euthanizating her. Without Embrace I would not have been able to pay for the emergency splenectomy. I would have had to put her down. Bella ended up living three plus years post diagnosis. Embrace's policy allowed for eastern and western medical care which I believe had a lot to do with her longevity. The negatives are that Embrace was more user friendly when I first signed my dogs up. Things have gotten more complicated. My guess is that they are using ai for interfacing. I have two geriatric dogs that take the same meds monthly. For some reason there is a lot of pushback on these claims. The biggest issue I have is that the website is slow. It makes filing claims extremely time consuming. I've complained about this to Embrace. Nothing has been done about it.
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5

out of 5

POSTED: | BY: Brian Mcnichols

Quick responses to claims and quick…

Quick responses to claims and quick payouts of the claimS
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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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