Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Crystal Torres-Martinez

Such a relief

My Ganni boy needed surgery to remove a mast cell tumor suddenly. I was expecting my first child at the time and knowing Embrace would cover most of the surgery removed the stress from the process. He is at home healthy along with my baby girl and I feel so blessed to have this coverage. The embrace customer care and claims management answered all my questions any time I called and the claim was processed smoothly.
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5

out of 5

POSTED: | BY: Jenna Rutkowski

Absolutely wonderful

Embrace is wonderful. Website is very smooth and the customer service reps are factastic. They're realistic, caring, and extremely helpful in answering any question I have had over the past 8+ years. Never going to change insurance companies.
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5

out of 5

POSTED: | BY: M Johnson

Quick response and payment on my claims.

Quick response and payment on my claims.
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5

out of 5

POSTED: | BY: Barbara

Claim process was easy

Claim process was easy, accurate and fast. On the last claim, the vet's office sent everything in and we got a check! Didn't do anything at all. Very pleased!
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5

out of 5

POSTED: | BY: Gina Bird

Easy-Peasy piece of mind. At first I was overwhelmed because I…

At first I was overwhelmed because I was expected to submit my claim with the app on my phone. I took a deep breath and told myself "It can't be that difficult!" Sure enough, it wasn't hard at all! I've submitted a few claims in the 2 years that I've been a member. The response has always been super fast and easy to understand, unlike most insurance companies.
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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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