Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Joseph Dionisio

Quick and efficient process

Quick and efficient process. Easy to navigate the Embrace website and submit my claim. Response and reimbursement happened within a week or two. Thanks!
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5

out of 5

POSTED: | BY: Susan

Great Pet Insurance

We have covered our pets with Embrace Pet Insurance for years. They are absolutely wonderful to deal with, make submitting claims very easy and reimbursement is prompt! They remind me of Amica in terms of their customer service!
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5

out of 5

POSTED: | BY: Anthony Georges

My First Claim Submission

It was VERY easy to prepare and submit a claim...I was impressed.
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5

out of 5

POSTED: | BY: Cary Nelms

Great Company

So far this Embrace has been very easy to work with. Submitting claims through their app is extremely easy and their response time very quick. I highly recommend this company.
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3

out of 5

POSTED: | BY: Christina Hughes

Be careful of pre-existing condition exclusions

While the claim submission process was pretty easy and communication was clear, I was extremely disappointed to learn that one of our claims was denied because they deemed a symptom that can occur in subsequent illnesses/episodes to be a pre-existing condition. So because our puppy had diarrhea when he first came to us (like most new puppies do), any illness with diarrhea as a presenting symptom is now being denied as pre-existing. Convenient way of getting out of paying for claims.
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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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