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.
4

out of 5

POSTED: | BY: Christina

Easy peasy claims

I just signed up for embrace pet insurance for my new puppy. I just submitted my first claim today and it was extremely easy. I haven’t reached my annual deductible yet but I’m sure they pay you back in a timely fashion, once you do meet it. They have a lot of options to choose from too… you can choose your annual deductible, annual reimbursement limit, and your reimbursement percentage. You also have the option for exam fees and prescription drugs. Depending on how you make your annual plan these add-on’s are cheap and worth it. The only thing that I have found annoying is that I’m still waiting to hear back about a name change I requested twice. Other than that, everything is great
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5

out of 5

POSTED: | BY: Sherry Ward

We love Embrace

My dog Bailey has been embraced for almost 10 years. They are a wonderful company and always process claims quickly. I would highly recommend them for your furry family member.
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5

out of 5

POSTED: | BY: Tiffany Metoyer

Easy to submit claim

Easy to submit claim
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5

out of 5

POSTED: | BY: Janice Grill

Was very easy to submit my claims and…

Was very easy to submit my claims and questions were answered in a very professional manner.
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5

out of 5

POSTED: | BY: Brendan McLoughlin

Submissions are very easy and…

Submissions are very easy and straightforward, processing and payment happen in pretty quick turnaround.
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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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