Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Amy Sparrow

Very pleased

I have heard bad experiences about other Pet Insurance. I have had nothing but good experience. They are VERY transparent on the benefits and especially any exclusions. I have a bulldog with preexisting conditions that were excluded from benefits, rightfully so. That being said, his claims for covered expenses were processed extremely fast. They keep you informed of any information they need from the vet. I am very pleased with their product.
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5

out of 5

POSTED: | BY: Michelle Hamilton

Super easy claim process and no…

Super easy claim process and no disputes about coverage. Gave me much relief during an unexpected and expensive pet injury.
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5

out of 5

POSTED: | BY: Mary Ann Callahan

Easy to use !

Easy to use and very good follow up.
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5

out of 5

POSTED: | BY: Andreya

So easy to submit a claim!

So easy to submit a claim!! It took me maybe 3-5 minutes
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5

out of 5

POSTED: | BY: William Kopczyk

In the very beginning

In the very beginning, they promised that they would make this very easy to use and they kept their promise. The process was very easy and I’m very happy.
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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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