Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,889

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: Jennifer Brunoli

Dental claims

Easy to submit claims & upload invoices. Quick response from claim adjuster and received refund within 2 weeks. Extremely happy with embrace
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5

out of 5

POSTED: | BY: Catherine Mcmanus

Embrace claims easy to use and quick!

Embrace has worked out well for our family! Our dog was recently sick and ended up at the vet twice and at the animal hospital. He had multiple tests and several different diagnoses. Embrace handled each claim within a week and we received everything back that we expected. The online claim system makes it very easy!
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5

out of 5

POSTED: | BY: Elizabeth Kimes

Everything was great

Everything was great. Thankful for pet insurance.
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1

out of 5

POSTED: | BY: Brad G

My rate continues to go up

My rate continues to go up, yet hardly anything is ever covered. This “survey” actually reminded me I need to cancel!!
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5

out of 5

POSTED: | BY: Pam Young

Embrace has always been very helpful…

Embrace has always been very helpful whenever I've needed assistance. They've covered most of the expenses related to illness/injury (I don't have wellness coverage) and paid out promptly. The people I've spoken to have been knowledgeable, kind and compassionate (when the situation needed compassion). They are very competitive in their pricing. Overall, I have been very pleased with my Embrace experience.
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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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