Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Ruth Nelson

Can't begin to show my appreceiation

Embrace has been absolutely wonderful and done more than any insurance company I have ever worked with. They go above and beyond! I'm running out words to describe my appreciation and loyalty they have shown me for the past 7 years.
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5

out of 5

POSTED: | BY: Glen Chong

Claim Submission

Nice simple and easy claim submission. Submission website guides you through the process.
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5

out of 5

POSTED: | BY: Rachel

Helpful and Fast

Any time I called customer service my call was answered quickly and the representatives I spoke to were kind and helpful. My claim was processed quickly and without issue. This was the first claim I had submitted and it went better than I’d hoped.
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5

out of 5

POSTED: | BY: William Looney

Easy to use and logical claim…

Easy to use and logical claim submission website.
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1

out of 5

POSTED: | BY: John

They are such a pain to deal with

They are such a pain to deal with. You can upgrade your account online but can’t remove the wellness part without calling
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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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