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: Dawn GAMBERALE

Good and quick communication

Good and quick communication. While deciding what type of treatment to choose for my dog’s lymphoma diagnosis, Embrace empathetically helped me secure a pre-authorization so I knew what would be covered, which ended up being everything minus the deductibles for a doxorubicin treatment plan. They explained that they would have to review all of my dogs medical records for the past 12 to 14 months, which might take a couple of weeks, to make sure that she did not have a pre-existing conditions related to her symptoms before I took out pet insurance with embrace.
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5

out of 5

POSTED: | BY: Ashley Bohn

I've had Embrace pet insurance since I…

I've had Embrace pet insurance since I adopted my puppy. Every experience I have had has been pleasant and their claim submission is fast and easy. I am so grateful that I invested in pet insurance and I will always be an Embrace customer.
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5

out of 5

POSTED: | BY: Marnie Strate

I have had Embrace for over 10 years…

I have had Embrace for over 10 years and they have always approved and paid my claims promptly. Recently my older dog has had an increase in health issues including some expensive diagnostic testing. Every claim has been approved.
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5

out of 5

POSTED: | BY: Thomas Dresser

Fast review of submitted claims and the…

Fast review of submitted claims and the individuals that I communicated with were very helpful and responded to all my questions.
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5

out of 5

POSTED: | BY: Roland Aguilar

Very simple to use

The app is very simple to use
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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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