Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,305

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: Daniel Cunningham

Great experience

The claims portion is so easy to use. Well explained and fast. We made claims and 2 hours later they were complete. Great experience!
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5

out of 5

POSTED: | BY: customer

Always very quick with a fair response

Always very quick with a fair response. Recommend this pet insurance for anyone with pets.
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5

out of 5

POSTED: | BY: Ray Kimbrell

Very easy to submit a claim.

Very easy to submit a claim.
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5

out of 5

POSTED: | BY: customer

⭐️⭐️⭐️⭐️⭐️

⭐️⭐️⭐️⭐️⭐️ I had such a great experience using this site! The process to file a claim was super easy and straightforward — everything was clearly explained, and it only took a few minutes to complete. The layout is clean and user-friendly, and I really appreciated how quick and efficient the whole process was. Highly recommend this site to anyone who wants a fast and hassle-free way to submit a claim!
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5

out of 5

POSTED: | BY: Alan Landry

Our First Experience With Embrace!

Recently, our rescue puppy, JR, now 9 years old, required surgery for an ear hematoma. We have had Embrace Insurance since we brought him home but until now, had never used it, so I was a little apprehensive about filing a claim. I have to say that it was one of the easiest, most transparent processes I have ever been through with any insurance company. I uploaded the invoice from the vet, answered a few short questions, and the submission was done. The time was 3:18 pm EST. At 3:34 pm EST I received an email acknowledging the submission and giving us the good news that the claim was complete and that the surgery was covered by our policy! Embrace kept me informed every step of the way, the submission process was simple and clear, and the resolution was lightning fast! I am still shaking my head in disbelief at how easy this was, and thankful that I kept this coverage from the beginning. This is a great company that I highly recommend! Well done, Embrace!!! And THANK YOU!!!
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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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