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: Clifton Oliver

The claim process was very simple

The claim process was very simple. Responses to my claims were answered promptly.
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5

out of 5

POSTED: | BY: JY

Seamless experience filing claims

Seamless experience filing claims. Embrace is very thorough and descriptive in its explanations.
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5

out of 5

POSTED: | BY: Abby's Mom

Easy-Peasy

It was very easy to submit my wellness claim. The process/program was quite intuitive. A real time saver.
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5

out of 5

POSTED: | BY: EA

ACL/CCL surgery reimbursement process

After our dog had ACL/CCL surgery, I was very concerned there would be some clause in the underwriting preventing us from our reimbursement. However, the Embrace was great. It was a super speedy reimbursement process and incredibly easy to use the app. I submitted invoices within days of the surgery and was reimbursed within a couple of weeks, which is great for our credit card. Five star experience for sure.
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5

out of 5

POSTED: | BY: Angela

Great Customer Service and ease of…

Great Customer Service and ease of getting my policy activated. They do the work and the simplicity of registration of my online account is superb.
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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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