Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: LGW

We have had many claims with…

We have had many claims with Embrace—always an excellent experience. Easy process, timely payment, clear explanations. Happy customer for more than 10 years
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5

out of 5

POSTED: | BY: Phyllis Soldano

Website very easy to use

Website very easy to use. Thank you!
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2

out of 5

POSTED: | BY: Francesca Murphy

It was reasonably easy.

It was reasonably easy. But its taking them 30 days to process a request for $89. And I’ve heard nothing back yet about the second vet visit which was $466. That’s a lot of money and I’d like to know what’s going on.
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5

out of 5

POSTED: | BY: Thomas Slaughter

Easy to use and follow.

Easy to use and follow.
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1

out of 5

POSTED: | BY: Jaclyn Verity

Harder to submit a claim on the app

They made it harder to submit a claim on the app. The invoice adding feature now only lets you upload a photo. The pdf invoice I had was not able to be selected. The app is also painfully slow and infuriating to deal with as it logs you out and errors consistently.
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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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